Application integration for contactless payments

ABSTRACT

Application integration for contactless payments is described. In an example, a payment making platform can provide a transaction code to a payment processing platform. The transaction code can be presented at a point-of-sale of a transaction between a customer and a merchant associated with the payment processing platform. Upon detecting an interaction between the transaction code and a computing device of the customer, the payment making platform and the payment processing platform can exchange data to enable the customer to participate in the transaction via the computing device of the customer. In some examples, the payment making platform and the payment processing platform can process a contactless payment for the transaction by transferring funds associated with an account of the customer from the payment making platform to the payment processing platform for depositing into an account of the merchant.

PRIORITY

This application claims priority to U.S. Provisional Application No.63/076,768, filed on Sep. 10, 2020, the entire contents of which areincorporated by reference herein.

TECHNICAL FIELD

Merchants provide a variety of checkout options for customers. A typicalcheckout experience for a customer shopping at a brick-and-mortar storeof a merchant includes interacting with an employee of a merchant and/ora point-of-sale (POS) device at a checkout stand in the brick-and-mortarstore. To remit payment for such a transaction, the customer can tendercash, a credit card, a debit card, a check, or the like to the employeeand/or via an interaction with the POS device. Existing checkoutexperiences require a customer to interact with an employee and/or POSdevice, thereby introducing friction into such transactions.

BRIEF DESCRIPTION OF THE DRAWINGS

Features of the present disclosure, its nature and various advantages,will be more apparent upon consideration of the following detaileddescription, taken in conjunction with the accompanying drawings.

FIG. 1 illustrates an example environment within which techniquesdescribed herein can be implemented.

FIG. 2A illustrates an example process for processing payment for atransaction using a transaction code, as described herein.

FIG. 2B illustrates additional details associated with the exampleprocess described above with reference to FIG. 2A

FIG. 3 illustrates an example process for initiating a payment for atransaction on a computing device of a customer, as described herein.

FIG. 4A illustrates an example graphical user interface (GUI) that canbe presented via a computing device of a merchant.

FIG. 4B illustrates an example GUI that can be presented via a computingdevice of a customer.

FIG. 5 illustrates an example process for associating a customer with atransaction based at least in part on determining a correspondencebetween transaction data and context data, as described herein.

FIG. 6A illustrates an example GUI that can be presented via a computingdevice of a merchant.

FIG. 6B illustrates an example GUI that can be presented via a computingdevice of a customer.

FIG. 7 illustrates an example process for determining whether anincentive applies to a transaction, as described herein.

FIG. 8 illustrates an example recommendation that can be presented via aGUI presented via a computing device of a customer.

FIG. 9 illustrates an example of an updated GUI that can be presentedvia a computing device of a customer based at least in part on anapplication of an incentive to a transaction.

FIG. 10 illustrates an example process for determining whether toprocess payment for a transaction based at least in part on a level ofrisk, as described herein.

FIG. 11 illustrates an example process for determining whether a paymentfor a transaction is authorized based at least in part on a level ofrisk, as described herein.

FIG. 12A illustrates an example GUI that can be presented via acomputing device of a merchant.

FIG. 12B illustrates an example GUI that can be presented via acomputing device of a customer.

FIG. 13 illustrates another example process for processing payment for atransaction using a multi-function transaction code, as describedherein.

FIG. 14 illustrates an example process associated with causing amulti-function transaction code to be presented in association with atransaction, as described herein.

FIG. 15 illustrates an example process for processing payment for atransaction based at least in part on a selection of a peer-to-peer(P2P) payment platform, as described herein.

FIG. 16A illustrates an example GUI that can be presented via acomputing device of a merchant.

FIG. 16B illustrates an example GUI that can be presented via acomputing device of a customer.

FIG. 17 illustrates additional details associated with the exampleprocess for processing payment for a transaction based at least in parton a selection of a P2P payment platform, as described herein.

FIG. 18 illustrates an example environment within which techniquesdescribed herein can be performed.

FIG. 19 illustrates additional details associated with components of theexample environment.

DETAILED DESCRIPTION

Techniques for performing contactless payments, via integration ofpeer-to-peer (P2P) payment, or other payment making, platform(s) andpayment processing platform(s), are described herein. In an example,such an integration can enable a customer to participate in atransaction via their own computing device instead of interacting with apoint-of-sale (POS) device of a merchant. In such an example, a POSapplication, associated with a payment processing platform andexecutable by the POS device of the merchant, can present a QuickResponse (QR) code, or other code that can be used to identify atransaction (e.g., a transaction code), in association with atransaction between the customer and the merchant. The QR code, or othertransaction code, can be provided to the POS application via anApplication Programming Interface (API) associated with the P2P paymentplatform. In an example, the customer can utilize their own computingdevice to capture the QR code, or the other transaction code, and toprovide an indication of the captured QR code, or other transactioncode, to server computing device(s) associated with the P2P paymentplatform and/or server computing device(s) associated with the paymentprocessing platform.

Based at least in part on the integration of the P2P payment platformand the payment processing platform (e.g., via the API), the servercomputing device(s) associated with each can exchange communicationswith each other—and with a mobile payment application associated withthe P2P payment platform and/or the POS application—to process paymentfor the transaction using a P2P payment where the customer is a first“peer” and the merchant is a second “peer.” In at least one example, theP2P payment platform can transfer funds from an account of the customer,maintained by the P2P payment platform, to an account of the merchant,maintained by the payment processing platform, thereby facilitating acontactless (P2P) payment for the transaction. That is, based at leastin part on receiving an indication of which payment method a user (e.g.,customer or merchant) intends to use for a transaction, techniquesdescribed herein utilize an integration between a P2P payment platformand payment processing platform (which can be a first- or third-partyintegration) such that a QR code, or other transaction code, specific tothe transaction can be used for providing transaction details, locationdetails, customer details, or the like to a computing device of thecustomer to enable a contactless (P2P) payment for the transaction.

In at least one example, techniques described herein can offerimprovements to conventional payment technologies at bothbrick-and-mortar points of sale and online points of sale. For example,at brick-and-mortar points of sale, techniques described herein canenable customers to “scan to pay,” by using their computing devices toscan QR codes, or other transaction codes, encoded with data asdescribed herein, to remit payments for transactions. In such a “scan topay” example, a customer computing device can be specially configured asa buyer-facing device that can enable the customer to view cart buildingin near real-time, interact with a transaction during cart buildingusing the customer computing device, authorize payment via the customercomputing device, apply coupons or other incentives via the customercomputing device, add gratuity, loyalty information, feedback, or thelike via the customer computing device, etc. In another example,merchants can “scan for payment” such that a customer can present a QRcode, or other transaction code, that can be linked to a paymentinstrument or stored balance. Funds associated with the paymentinstrument or stored balance can be used for payment of a transaction.

As described above, techniques described herein can offer improvementsto conventional payment technologies at online points of sale, as wellas brick-and-mortar points of sale. For example, multiple applicationscan be used in combination during checkout. That is, a merchantapplication and a mobile payment application, as described herein, canprocess a payment transaction by routing information input via themerchant application to the mobile payment application for completing a“frictionless” payment. This can be referred to as “in-applicationpayment” and is described in more detail in U.S. Pat. No. 10,467,615,which issued on Nov. 5, 2019, the entire contents of which areincorporated by reference herein. In another example of “in-applicationpayment,” the mobile payment application described herein can be createdor modified via a software developer kit (SDK) to enable in-applicationpayment.

Returning to the “scan to pay” examples described herein, QR codes, orother transaction codes, can be presented in association with a merchantweb page or ecommerce web page. In at least one example, techniquesdescribed herein can enable customers to “scan to pay,” by using theircomputing devices to scan or otherwise capture QR codes, or othertransaction codes, encoded with data, as described herein, to remitpayments for online/ecommerce transactions. In such a “scan to pay”example, a customer computing device can be specially configured as abuyer-facing device that can enable the customer to view cart buildingin near real-time, interact with a transaction during cart buildingusing the customer computing device, authorize payment via the customercomputing device, apply coupons or other incentives via the customercomputing device, add gratuity, loyalty information, feedback, or thelike via the customer computing device, etc.

In an example, a customer can desire to purchase items from a merchant.When the customer approaches the merchant to check out, the merchant(e.g., a worker associated therewith) can add indications of the itemsto a virtual cart via a POS application, associated with a paymentprocessing platform, on a merchant computing device. In an example, themerchant can use the payment processing platform to process payments,and the payment processing platform can process payments for themerchant, as well as other merchants. That is, the payment processingplatform can be an aggregator. After adding the first item, or otherwiseproviding an indication to start a transaction, a display of themerchant computing device can present a QR code, or other transactioncode, that can be associated with a P2P payment platform. The customercan use a camera associated with a customer computing device to scan, orotherwise capture, the QR code. If the customer is already associatedwith the P2P payment platform (e.g., has an existing account, previouslyonboarded, etc.), the P2P platform can provide an indication of thescanned QR code to the payment processing platform. Thisinteraction—between the customer computing device and the QR code—cantrigger communications between the P2P payment platform and the paymentprocessing platform (e.g., via an API) to facilitate a transfer of fundsfrom a stored balance of the customer, that is managed and/or maintainedby the P2P payment platform, to a stored balance of the merchant, thatis managed and/or maintained by the payment processing platform. Assuch, the customer can use such funds for contactless payment of thetransaction. Such a payment can be structured as a P2P payment whereinthe customer is the first “peer” and the payment processing platform isthe second “peer.” The payment processing platform can deposit fundsreceived from the P2P payment platform in an account of the merchant tosettle the transaction on behalf of the merchant. In some examples, thepayment processing platform can deposit funds into an account of themerchant to settle the transaction prior to receiving funds from the P2Ppayment platform.

As an additional or alternative example, a customer can desire topurchase items from a merchant. When the customer approaches themerchant to check out, the merchant (e.g., a worker associatedtherewith) can add indications of the items to a virtual cart via a POSapplication, associated with a payment processing platform, on amerchant computing device. In an example, the merchant can use thepayment processing platform to process payments, and the paymentprocessing platform can process payments for the merchant, as well asother merchants. That is, the payment processing platform can be anaggregator. After adding the first item, or otherwise providing anindication to start a transaction, the POS application can cause a textmessage with a resource locator (e.g., uniform resource locator (URL))that can be associated with a P2P payment platform to be sent to thecustomer computing device. The customer can interact with the resourcelocator and, if the customer is already associated with the P2P paymentplatform (e.g., has an existing account, previously onboarded, etc.),the P2P payment platform can provide an indication of the interactionwith the resource locator to the payment processing platform. Thisinteraction—between the customer and the resource locator presented viathe customer computing device—can trigger communications between the P2Ppayment platform and the payment processing platform (e.g., via an API)to facilitate a transfer of funds from a stored balance of the customer,that is managed and/or maintained by the P2P payment platform, to astored balance of the merchant, that is managed and/or maintained by thepayment processing platform. As such, the customer can use such fundsfor contactless payment of the transaction. As described above, such apayment can be structured as a P2P payment wherein the customer is thefirst “peer” and the payment processing platform is the second “peer.”The payment processing platform can deposit funds received from the P2Ppayment platform in an account of the merchant to settle the transactionon behalf of the merchant. In some examples, the payment processingplatform can deposit funds into an account of the merchant to settle thetransaction prior to receiving funds from the P2P payment platform.

The same or similar techniques can be applicable in online and/orecommerce selling channels as well. In such an example, a QR code, orother transaction code, can be presented via an online store/ecommerceweb page of a merchant. The customer can use a camera associated with acustomer computing device to scan, or otherwise capture, the QR code. Ifthe customer is already associated with the P2P payment platform (e.g.,has an existing account, previously onboarded, etc.), the P2P platformcan provide an indication of the scanned QR code to the paymentprocessing platform. This interaction—between the customer computingdevice and the QR code—can trigger communications between the P2Ppayment platform and the payment processing platform (e.g., via an API)to facilitate a transfer of funds from a stored balance of the customer,that is managed and/or maintained by the P2P payment platform, to astored balance of the merchant, that is managed and/or maintained by thepayment processing platform. As such, the customer can use such fundsfor contactless payment of the transaction. Such a payment can bestructured as a P2P payment wherein the customer is the first “peer” andthe payment processing platform is the second “peer.” The paymentprocessing platform can deposit funds received from the P2P paymentplatform in an account of the merchant to settle the transaction onbehalf of the merchant. In some examples, the payment processingplatform can deposit funds into an account of the merchant to settle thetransaction prior to receiving funds from the P2P payment platform.

As described above, techniques described herein offer improvements toconventional payment technologies. In an example, techniques describedherein can enable transaction data to be sent from a POS application ofa merchant computing device at a brick-and-mortar store of a merchant toa mobile payment application of a customer computing device of acustomer to enable the customer to participate in a transaction viatheir own computing device. For instance, in a “scan to pay” example asdescribed above, based at least in part on capturing the QR code, orother transaction code, via the customer computing device, the paymentprocessing platform can provide transaction data to the P2P paymentplatform for presentation via the mobile payment application on thecustomer computing device. In some examples, the customer can watchitems being added to their cart (e.g., via a user interface presentedvia the mobile payment application). As an item is added to a virtualcart by the merchant—via the POS application on the computing device ofthe merchant—the customer can see the item in their virtual cart ontheir own computing device in near-real time. In another example, theP2P payment platform can analyze transaction data as it is received todetermine whether an incentive (e.g., a discount, a loyalty reward,prioritized access or booking, etc.) is applicable to the transactionand can automatically apply the incentive or send a recommendation tothe mobile payment application for presentation via a user interfaceassociated therewith. In addition to enabling a customer to participatein a transaction during cart building, techniques described herein canenable a customer to complete a transaction, and in some examples,provide gratuity (i.e., a tip), feedback, loyalty information, or thelike, via the customer computing device during or after payment of thetransaction.

In some examples, based at least in part on capturing the QR code, orother transaction code, the payment processing platform can providetransaction data to the P2P payment platform for presentation via themobile payment application on the computing device of the customer toenable the customer to complete the transaction via their own computingdevice. In some examples, in response to receiving an indication thatthe QR code, or other transaction code, has been captured or otherwiseinteracted with via the customer computing device, the P2P paymentplatform can determine that the customer authorizes payment of thetransaction using funds associated with a stored balance of the customerthat is managed and/or maintained by the P2P payment platform. Suchauthorization can be implicit such that the interaction with thetransaction code can imply authorization of the customer. In someexamples, in response to receiving an indication that the QR code, orother transaction code, has been captured or otherwise interacted withvia the customer computing device, the P2P payment platform can requestauthorization to process payment for the transaction using the fundsassociated with the stored balance and the customer can interact withthe mobile payment application to authorize the settlement of thetransaction. A response to such a request can provide an expressauthorization of the customer. In some examples, such an authorization(implicit or express) can be provided prior to a transaction beingcomplete and/or initialization of a conventional payment flow. That is,in some examples, such an authorization can be provided during cartbuilding (e.g., adding item(s) to a virtual cart) and/or prior topayment selection. In some examples, such an authorization can beprovided after payment is complete (e.g., via another paymentinstrument). Based at least in part on receiving an authorization to usefunds associated with the stored balance (e.g., implicitly orexplicitly) of the customer, the P2P payment platform can transfer fundsfrom the stored balance of the customer to the payment processingplatform. In at least one example, the payment processing platform candeposit the funds, or a portion thereof, into a stored balance of themerchant that is managed and/or maintained by the payment processingplatform. That is, techniques described herein enable the P2P paymentplatform to transfer funds to the payment processing platform to settlepayment of the transaction. In such an example, the payment processingplatform can be a “peer” to the customer in a P2P transaction.

In some examples, techniques described herein can enable the customer tointeract with the transaction after payment for the transaction has beensettled. For example, in at least one example, the payment processingplatform can cause a total amount of a transaction to be presented via auser interface associated with the mobile payment application such thatthe customer can provide gratuity, feedback, loyalty information, or thelike, via an interaction with the user interface. In some examples,because the customer has already authorized payment via the P2P paymentplatform, if the customer inputs a tip, the P2P payment platform cantransfer additional funds, associated with the tip, to the paymentprocessing platform. This pre-authorization (or maintainedauthorization) of sorts can enable faster, more efficient paymentprocessing when the tip is received. Further, the customer can providefeedback and/or loyalty information via the user interface presented bythe mobile payment application, which can be associated with thetransaction.

As described above—and also below—techniques described herein enablecontactless payments. That is, by integrating the payment processingplatform with the P2P payment platform, merchants and customers canparticipate in transactions via their own computing devices withoutneeding to touch, or otherwise be in contact, with one another. Bymoving aspects of a transaction that are traditionally performed on acomputing device of a merchant to a computing device of a customer,customers can have more control over the transaction and can have moreprivacy. That is, customers can monitor items that are added to theircart to ensure accuracy. Further, customers can authorize payments, userewards, claim incentives, add gratuity, or the like without beingwatched by the merchant or other customers.

In some examples, such as when the QR code, or other transaction code,is captured by the computing device of the customer prior to a paymentselection user interface being presented via the POS application,payment for the transaction can be pre-authorized such that when thetime comes to complete the transaction, neither the payment processingplatform nor the P2P payment platform need to re-authorize payment atthat time. That is, techniques described herein can enable faster, moreefficient transactions. Further, in some examples, when a customer addsa tip after payment for a transaction has been settled, in someexamples, because the P2P payment platform has already been authorized,the P2P payment platform and the payment processing platform may notneed to obtain another authorization to settle funds associated with thetip. That is, in such examples, fewer data transmissions are requiredand thus, techniques described herein can conserve bandwidth and reducenetwork congestion. Moreover, as described above, funds associated withtips can be received faster and more efficiently than with conventionalpayment technologies.

In addition to the improvements described above, techniques describedherein can provide enhanced security in payment processing. In someexamples, if a camera, or other sensor, used to capture a QR code, orother transaction code, is integrated into a mobile payment application(e.g., instead of a native camera, or other sensor), techniquesdescribed herein can utilize an indication of the QR code, or othertransaction code, received from the mobile payment application fortwo-factor authentication to enable more secure payments.

Additional technical improvements are described herein.

It should be noted that, while techniques described herein are directedto contactless payments using QR codes or other transaction codes, inadditional or alternative examples, techniques described herein can beapplicable for contact payments. That is, in some examples, instead ofscanning, capturing, or otherwise interacting with a QR code ortransaction code, a customer can swipe a payment instrument (e.g., acredit card, a debit card, or the like) via a reader device associatedwith a merchant computing device, dip a payment instrument into a readerdevice associated with a merchant computing device, tap a paymentinstrument with a reader device associated with a merchant computingdevice, or the like, to initiate the provisioning of transaction data tothe customer computing device. For example, based at least in part ondetecting a dip, tap, swipe, or the like, the payment processingplatform can associate a customer with a transaction and provide atleast a portion of transaction data associated with the transaction to acustomer computing device associated therewith. In some examples, thepayment instrument can be associated with the P2P payment platform asdescribed herein (e.g., a debit card linked to a stored balance of acustomer) such that when the payment instrument is caused to interactwith a payment reader, the payment processing platform can exchangecommunications with the P2P payment platform to authorize payment for atransaction and/or provision associated transaction data to a computingdevice of the customer associated with the transaction.

FIG. 1 illustrates an example environment 100 within which techniquesdescribed herein can be implemented. The example environment can includeserver computing device(s) associated with a P2P payment platform (“P2Pserver(s) 102”) that can communicate with server computing device(s)associated with a payment processing platform (“payment processingserver(s) 104”) via network(s) 106.

In at least one example, the P2P payment platform can be a platform(e.g., computing devices and/or components associated therewith) thatenables users to transfer funds to one another using their own fundsthrough an online or mobile application. While techniques described aredescribed in the context of P2P payments, techniques described hereincan be performed by any payment making platform. In at least oneexample, the P2P payment platform can be associated with a mobilepayment application 108. An instance of the mobile payment application108 can be executable by a computing device of a customer (“customercomputing device 110”). In at least one example, the P2P paymentplatform can communicate with instances of the mobile paymentapplication 108 (or other access points) to facilitate P2P transactions.Additional details associated with the P2P payment platform aredescribed below.

In at least one example, the payment processing platform can be aplatform (e.g., computing devices and/or components associatedtherewith) that can process payments for transactions between customersand merchants associated with the payment processing platform. Suchmerchants can offer items (e.g., goods, services, etc.) for sale, orother means of acquisition, via brick-and-mortar stores, online stores,combinations of the forgoing, or the like. In some examples, the paymentprocessing platform can be an intermediary payment processing platform(or an aggregator) such that the payment processing platform can receiverequests to process payments for transactions from different merchantsand can interact with payment services (e.g., acquirer(s), issuer(s),card payment network(s), P2P network(s), etc.) to process the payments.In at least one example, the payment processing platform can beassociated with a POS application 112. An instance of the POSapplication 112 can be executable by a computing device of a merchant(“merchant computing device 114”).

In some examples, the P2P payment platform and the payment processingplatform can be associated with a same service provider (e.g.,first-party integration). In some examples, the P2P payment platform canbe associated with a different service provider than the paymentprocessing platform (i.e., third-party integration). In some examples,the payment processing platform can be associated with a differentservice provider than the P2P payment platform (i.e., third-partyintegration). Techniques described herein are directed to integratingthe P2P payment platform with the payment processing platform tofacilitate contactless payments.

In at least one example, the P2P server(s) 102 can include a P2Pprocessing component 116 and a payment processing communicationcomponent 118. In at least one example, the P2P processing component 116and/or the payment processing communication component 118 can befunctional components that are executable by processor(s) associatedwith the P2P server(s) 102. In some implementations, functionalcomponents can comprise instructions or programs that are executable bythe processor(s) and that, when executed, implement operational logicfor performing the actions and services attributed above to the P2Pserver(s) 102 and/or P2P payment platform.

In at least one example, the P2P processing component 116 can receiverequests to transfer funds between users, which can be called “peers,”of the P2P payment platform. In at least one example, a request caninclude a first user identifier, associated with a payee (i.e., userrequesting funds from another user), and a second user identifier,associated with payor (i.e., user from whom funds are being requested byanother user). In such an example, the P2P processing component 116 cancause a request for funds to be presented on a computing device of thepayor and, based at least in part on receiving an authorization totransfer the requested funds, the P2P processing component 116 cantransfer funds from a first account of the payor to a second account ofthe payee. That is, in at least one example, a first user (e.g., payee)can request a payment from a second user (e.g., payor) and the P2Pprocessing component 116 can fulfill such a request.

In an additional or alternative example, a request can include a firstuser identifier, associated with a payor (i.e., user sending funds toanother user) and a second user identifier, associated with a payee(i.e., user receiving funds from another user). In such an example, theP2P processing component 116 can cause a request to accept funds to bepresented on a computing device of the payee and, based at least in parton receiving an authorization to transfer the requested funds, the P2Pprocessing component 116 can transfer funds from a first account of thepayor to a second account of the payee. That is, in at least oneexample, a first user (e.g., payor) can send a payment to a second user(e.g., payee) and the P2P processing component 116 can fulfill such arequest.

In at least one example, funds received from other users can beassociated with an account of a user, in a stored balance that can bemanaged and/or maintained by the P2P payment platform. That is, fundsreceived from other users can be added (e.g., credited) to a storedbalance. In at least one example, funds sent to other users can beremoved (e.g., debited) from the stored balance. The P2P processingcomponent 116 can manage a ledger to determine a balance associated withsuch a stored balance. In some examples, funds associated with thestored balance can be accessed via a linked debit card, a P2P payment,or a deposit into a linked bank account of the user.

In some examples, the P2P processing component 116 can track individualtransactions between users and can enable users to view theirtransaction history via a user interface that can be presented by aninstance of the mobile payment application 108. Further, in someexamples, the P2P processing component 116 can access stored loyaltydata, incentive data, and/or the like for use with the P2P paymentplatform, as described herein. Additional functionality associated withthe P2P processing component 116 is described below.

In at least one example, the payment processing communication component118 can enable the P2P server(s) 102 to transmit data and receive datafrom the payment processing server(s) 104, as described herein. That is,communications between the P2P server(s) 102 and the payment processingserver(s) 104 can be transmitted via the payment processingcommunication component 118.

In at least one example, the P2P server(s) 102 can include data store(s)120, which can store, manage, and/or update data, including, but notlimited to, user data 122 and stored balance(s) 124.

In at least one example, user data 122 can include, but is not limitedto, user information (e.g., name, phone number, address, etc.), useridentifier(s) (e.g., alphanumeric identifiers, etc.), user preferences(e.g., learned or user-specified), purchase history data (e.g.,identifying one or more items purchased (and respective iteminformation), linked payment sources (e.g., bank account(s), storedbalance(s), etc.), payment instruments used to purchase one or moreitems, returns associated with one or more orders, statuses of one ormore orders (e.g., preparing, packaging, in transit, delivered, etc.),etc.), appointments data (e.g., previous appointments, upcoming(scheduled) appointments, timing of appointments, lengths ofappointments, etc.), payroll data (e.g., employers, payroll frequency,payroll amounts, etc.), reservations data (e.g., previous reservations,upcoming (scheduled) reservations, reservation duration, interactionsassociated with such reservations, etc.), inventory data, user servicedata, loyalty data (e.g., loyalty account numbers, rewards redeemed,rewards available, etc.), risk indicator(s) (e.g., level(s) of risk),etc. In some examples, the user data 122 can be partitioned into userprofiles, wherein data associated with a particular user is associatedwith a particular user profile. In at least one example, a storedbalance, as described below, can be mapped to, or otherwise associatedwith, such a user profile.

In at least one example, the stored balance(s) 124 can be accounts,associated with balances, that are managed and/or maintained by the P2Ppayment platform. Individual of the stored balance(s) 124 can be mappedto, or otherwise associated with, individual user(s) associated with theP2P payment platform. In at least one example, a stored balance caninclude a balance that reflects funds received, by a user, from otherusers and funds sent, by the user, to other users of the P2P paymentplatform, as described above.

In at least one example, the payment processing server(s) 104 caninclude a payment processing component 126 and a P2P communicationcomponent 128. In at least one example, the payment processing component126 and the P2P communication component 128 can be functional componentsthat are executable by processor(s) associated with the paymentprocessing server(s) 104. In some implementations, functional componentscan comprise instructions or programs that are executable by theprocessor(s) and that, when executed, implement operational logic forperforming the actions and services attributed above to the paymentprocessing server(s) 104 and/or the payment processing platform.

In at least one example, the payment processing component 126 canprocess payments for transactions on behalf of merchants associated withthe payment processing platform. In at least one example, the paymentprocessing component 126 can receive transaction data associated with atransaction between a merchant and a customer. In some examples, thepayment processing component 126 can receive payment data associatedwith a payment instrument and can process payment for the transactionbased at least in part on the transaction data and the payment data. Insome examples, the payment data can be associated with a debit card orcredit card and the payment processing component 126 can exchange datawith associated acquirer(s), issuer(s), and/or card payment network(s)to process payment for the transaction. In some examples, the paymentdata can be associated with a stored balance managed and/or maintainedby a P2P payment platform. In such an example, the payment processingcomponent 126 can exchange data with the P2P payment platform to processpayment for the transaction. Additional details are provided below.

In at least one example, funds received as payment for the transaction,or a portion thereof (e.g., less processing fees or the like), can beassociated with an account of the merchant, in a stored balance that canbe managed and/or maintained by the payment processing platform. Thatis, funds received from a payment service and/or P2P payment platformcan be added (e.g., credited) to a stored balance. In at least oneexample, funds withdrawn (e.g., via a deposit into a linked bank accountof the merchant, via a purchase using a linked debit card, or the like)can be removed (e.g., debited) from the stored balance. The paymentprocessing component 126 can manage a ledger to determine a balanceassociated with such a stored balance. In some examples, fundsassociated with the stored balance can be accessed via a linked debitcard, a deposit into a linked bank account of the merchant, or the like.

Additional functionality associated with the payment processingcomponent 126 is described below.

In at least one example, the P2P communication component 128 can enablethe payment processing server(s) 104 to transmit data and receive datafrom the P2P server(s) 102, as described herein. That is, communicationsbetween the P2P server(s) 102 and the payment processing server(s) 104can be transmitted via the P2P communication component 128.

In at least one example, the payment processing server(s) can includedata store(s) 130, which can store, manage, and/or update data,including, but not limited to, customer data 132, merchant data 134, andstored balance(s) 136.

Customer data 132 can include, but is not limited to, customerinformation (e.g., name, phone number, address, banking information,etc.), customer preferences (e.g., learned or customer-specified),purchase history data (e.g., identifying one or more items purchased(and respective item information), payment instruments used to purchaseone or more items (which can include P2P payment transactions), returnsassociated with one or more orders, statuses of one or more orders(e.g., preparing, packaging, in transit, delivered, etc.), etc.),appointments data (e.g., previous appointments, upcoming (scheduled)appointments, timing of appointments, lengths of appointments, etc.),payroll data (e.g., employers, payroll frequency, payroll amounts,etc.), reservations data (e.g., previous reservations, upcoming(scheduled) reservations, reservation duration, interactions associatedwith such reservations, etc.), inventory data, customer service data,etc. In some examples, the customer data 132 can be partitioned intocustomer profiles, wherein data associated with a particular customer isassociated with a particular customer profile. In at least one example,P2P user information (e.g., alphanumeric identifier, or the like) can bemapped to, or otherwise associated with, such a customer profile.

Merchant data 134 can include, but is not limited to, information abouta merchant (e.g., name of the merchant, geographic location of themerchant, operating hours of the merchant, employee information, etc.),a merchant category classification (MCC), item(s) offered for sale bythe merchant, hardware (e.g., device type) used by the merchant,transaction data associated with the merchant (e.g., transactionsconducted by the merchant, payment data associated with thetransactions, items associated with the transactions, descriptions ofitems associated with the transactions, itemized and/or total spends ofeach of the transactions, parties to the transactions, dates, times,and/or locations associated with the transactions, etc.), loaninformation associated with the merchant (e.g., previous loans made tothe merchant, previous defaults on said loans, etc.), risk informationassociated with the merchant (e.g., indications of risk, instances offraud, chargebacks, etc.), appointments information (e.g., previousappointments, upcoming (scheduled) appointments, timing of appointments,lengths of appointments, etc.), payroll information (e.g., employees,payroll frequency, payroll amounts, etc.), employee information,reservations data (e.g., previous reservations, upcoming (scheduled)reservations, interactions associated with such reservations, etc.),inventory data, customer service data, etc. In some examples, themerchant data 134 can be partitioned into merchant profiles, whereindata associated with a particular merchant is associated with aparticular merchant profile. A merchant profile can securely store bankaccount information as provided by the merchant. Further, the merchantprofile can store payment information associated with a paymentinstrument linked to a stored balance of the merchant, such as a storedbalance maintained by the payment processing platform. In at least oneexample, P2P user information (e.g., alphanumeric identifier, or thelike) can be mapped to, or otherwise associated with, such a merchantprofile.

In at least one example, the stored balance(s) 136 can be accounts,associated with balances, that are managed and/or maintained by thepayment processing platform. Individual of the stored balance(s) 124 canbe mapped to, or otherwise associated with, individual merchant(s)associated with the payment processing platform. In at least oneexample, a stored balance can include a balance that reflects fundsreceived from payments of transactions processed by the paymentprocessing platform, as described above.

In at least one example, the customer computing device 110 can includean instance of the mobile payment application 108, and one or more otherapplications (“other application(s) 138”). That is, for the purpose ofthis discussion, a customer can be a “user” of the P2P payment platformthat can conduct transactions with other “users,” which can include thepayment processing platform/merchant.

In some examples, an instance of a mobile payment application 108 canrun on (e.g., is executable by) the customer computing device 110. In atleast one example, the instance of the mobile payment application 108can be an instance of a software application downloadable via anapplication store. In some examples, functionality associated with themobile payment application 108 can be accessed via the customercomputing device 110 via an instant application, or a portion of themobile payment application 108, that can be downloaded to the customercomputing device 110 for performing the functionality. Suchfunctionality (i.e., of the instant application) can be less than thefull functionality of the mobile payment application 108. As describedabove, the mobile payment application 108 can comprise an installedapplication, or portion thereof, however, in an additional oralternative example, the mobile payment application 108 can be anauthenticated or unauthenticated application on a web browser. That is,in at least one example, the instance of the mobile payment application108 can be accessible via a web browser on the customer computing device110. In some examples, once a user has accessed or registered with themobile payment application 108, a web browser can remember associatedcredentials for subsequent customer visits (for example, through webbrowser authentication, web cookies, web history, etc.) allowing thecustomer to access the mobile payment application 108 without logging-into an account of the customer.

In at least one example, the instance of the mobile payment application108 can present one or more user interfaces to enable a user associatedtherewith, such as the customer, to send or receive funds from otherusers of the P2P payment platform, such as the payment processingplatform/merchant. Furthermore, in at least one example, the instance ofthe mobile payment application 108 can present one or more userinterfaces to enable the user associated therewith, such as thecustomer, to interact with the P2P payment platform, and in someexamples, as described herein, participate in a contactless paymenttransaction.

In at least one example, the customer computing device 110 can beassociated with other application(s) 138, which can include other mobilepayment applications that can be associated with other P2P paymentplatforms and can be used for processing payments of transactions asdescribed herein. In some examples, the other application(s) 138 caninclude e-commerce applications that are associated with one or moremerchant platforms and can be used by the customer to purchase productsor services. The other application(s) 138 can also be websites, forums,uniform resource locator(s) (URLs), application program interfaces(APIs), or any source website or application that either hosts adescription of an item and/or provides an option to buy an item. Theother application(s) 138 can be associated with application(s) providingadditional or alternative functionality.

In at least one example, the customer computing device 110 can beassociated with one or more sensors (“sensor(s) 140”), which can includea camera, a barcode/QR code reader, a near-field communication (NFC)reader, an accelerometer, a gyroscope, a magnetometer, a globalproximity system (GPS) sensor, a proximity sensor, an ambient lightsensor, a microphone, touchscreen sensors, and the like. In someexamples, individual of the sensor(s) 140 are native to the customercomputing device 110. In some examples, individual of the sensor(s) 140can be integrated into the mobile payment application 108 associatedwith the customer computing device 110 (or other application(s)associated with the customer computing device 110).

In at least one example, the merchant computing device 114 can includean instance of the POS application 112. In at least one example, aninstance of a POS application 112 can run on (e.g., is executable by)the merchant computing device 114. In at least one example, the instanceof the POS application 112 can be an instance of a software applicationdownloadable via an application store. In some examples, functionalityassociated with the POS application 112 can be accessed via the merchantcomputing device 114 via an instant application, or a portion of the POSapplication 112, that can be downloaded to the merchant computing device114 for performing the functionality. Such functionality (i.e., of theinstant application) can be less than the full functionality of the POSapplication 112. As described above, the POS application 112 cancomprise an installed application, or portion thereof, however, in anadditional or alternative example, the POS application 112 can be anauthenticated or unauthenticated application on a web browser. That is,in at least one example, the instance of the POS application 112 can beaccessible via a web browser on the merchant computing device 114. Insome examples, once a merchant has accessed or registered with the POSapplication 112, a web browser can remember associated credentials forsubsequent merchant visits (for example, through web browserauthentication, web cookies, web history, etc.) allowing the merchant toaccess the POS application 112 without logging-in into an account of themerchant.

In at least one example, the POS application 112 can configure themerchant computing device 114 as a POS terminal. In at least oneexample, the POS application 112 can generate transaction dataassociated with a transaction between a customer and a merchant. Thetransaction data can include item(s) to be purchased (or otherwiseacquired) via the transaction, detail(s) associated with such item(s),item cost(s) associated with the item(s), a total cost of the item(s),an identifier of the merchant, an identifier of the merchant computingdevice 114, an identifier of the instance of the POS application 112, anidentifier of the transaction, a location associated with the merchantcomputing device 114, a timestamp associated with the transaction, adatestamp associated with the transaction, and/or the like. In someexamples, the POS application 112 can configure the merchant computingdevice 114 to interact with a payment reader device, which can obtainpayment data, for example from a payment instrument (e.g., debit card,credit card, NFC payment instrument, etc.). The POS application 112 cansend transaction data and/or payment data to the payment processingserver(s) 104 for processing payments for transactions.

In at least one example, techniques described herein can be facilitatedvia an API, such as a P2P API 142. That is, in at least one example, the“integration” between the P2P payment platform and the paymentprocessing platform can be facilitated, in part, to the P2P API 142. TheP2P API 142 can enable communications between the P2P payment platformand the payment processing platform. Additional details are providedbelow with reference to FIGS. 2A and 2B. In at least one example, thePOS application 112 can receive a transaction code 144, such as abarcode, a QR code, a unique identifier, or the like via the P2P API142. In at least one example, the POS application 112 can cause thetransaction code 144 to be presented via a display of the merchantcomputing device 114 in association with a transaction between acustomer and the merchant. For instance, in some examples, thetransaction code 144 can be presented via a customer-facing display of amulti-device merchant computing device 114 (e.g., a merchant computingdevice including a customer-facing display coupled to a merchant-facingdisplay), a rotatable display associated with the merchant computingdevice 114, a connectable device and/or display associated with themerchant computing device 114 (e.g., which may be integrated with athird-party merchant application or the POS application 112 via an APIor the like), or the like. In such an example, a customer can use thesensor(s) 140 associated with the customer computing device 110 tointeract with the transaction code 144. For instance, one of thesensor(s) 140 can be a camera and the customer can capture an image of aQR code. Through a series of communications, described below, themerchant and the customer can participate in a contactless payment forthe transaction. In such an example, the merchant and the customer canbe “users” or “peers” of the P2P payment platform and the P2P paymentplatform and the payment processing platform can perform techniques asdescribed herein to process the contactless payment for the transaction.

In some examples, instead of presenting the transaction code 144 via themerchant computing device 114 at a brick-and-mortar store, thetransaction code 144 can be presented via an online store of themerchant (e.g., in association with an ecommerce web page or the like).In such an example, operations described herein as being performed bythe POS application 112 can be performed by another component on aclient computing device. Furthermore, in at least one example, insteadof the transaction code 144 being presented via the merchant computingdevice 114, the merchant can send a request, via the POS application 112and techniques described herein, to the P2P server(s) 102 for a totalamount of the transaction to be paid via a stored balance of thecustomer. In such an example, the request can be associated with acustomer identifier (e.g., an alphanumeric identifier or the like) thatis associated with the stored balance and the P2P processing component116 can cause funds to be transferred from the stored balance of thecustomer, managed and/or maintained by the P2P payment platform, to thepayment processing server(s) 104 for depositing in a stored balanceassociated with the merchant. In yet another example, the merchant canrequest, via the POS application 112, for a transaction code to be sentto the customer computing device 110. In such an example, the requestcan be associated with a customer identifier indicating where thetransaction code is to be sent. In such an example, the P2P processingcomponent 116 can cause a transaction code to be sent to the customercomputing device 110 via a text message, email, in-app notification,instant application, or the like. In at least one example, as describedbelow, the customer can interact with the transaction code (e.g., inlieu of a scan, capture, or other interaction with a sensor of thecustomer computing device 110) to initiate communications for processingpayment for the transaction, as described herein.

Additional details associated with various device(s) and/or component(s)described above with reference to the example environment 100 aredescribed below with reference to FIGS. 17 and 18.

FIG. 2A illustrates an example process 200, illustrated as a swim lanediagram, for processing payment for a transaction using a transactioncode, as described herein. Components of the example environment 100(e.g., the customer computing device 110, the P2P server(s) 102, thepayment processing server(s) 104, and the merchant computing device 114)are represented by vertical lines. In at least one example, horizontallines shown as originating from or terminating at a line correspondingto a particular component can represent communications sent from orreceived by the particular component. Additional details are providedbelow.

In at least one example, the POS application 112, on the merchantcomputing device 114, can generate transaction data associated with atransaction between a merchant and a customer. In at least one example,the POS application 112 can send the transaction data (e.g., via atransaction data communication 202) to the payment processing server(s)104. In some examples, the transaction data can be sent to the paymentprocessing server(s) 104 in near-real time. That is, as new transactiondata is generated, such transaction data can be sent to the paymentprocessing server(s) 104. In some examples, the transaction data can besent in batches, at a particular frequency, after a lapse of a period oftime, responsive to a condition being satisfied (e.g., a total cost of atransaction satisfying a threshold, a request to complete a transactionbeing received, etc.), or the like. In some examples, a portion oftransaction data can be sent to the payment processing server(s) 104. Insome examples, the portion of transaction data can correspond to an“event” (e.g., a new item added to a cart, etc.), etc. and such “eventdata” can be sent to the payment processing server(s) 104 on a per-eventbasis. In some examples, the payment processing component 126 canreceive the transaction data from the POS application 112. In someexamples, the payment processing component 126 can store the transactiondata (e.g., in a data structure associated with the transaction). In atleast one example, the transaction data communication 202 can beassociated with a request for a transaction code to present via a userinterface of the merchant computing device 114.

In some examples, the payment processing component 126 can send arequest 204 for a transaction code to the P2P server(s) 102. In someexamples, such a request 204 can be sent based at least in part onreceiving the transaction data (and thus an indication of a newtransaction) and/or a request received from the POS application 112. Inat least one example, the P2P processing component 116 can receive therequest 204 and, in some examples, can generate a transaction code basedat least in part on the transaction data received from the paymentprocessing component 126. That is, in some examples, a transaction codecan be dynamic and, thus, specific to a transaction.

As described above, the transaction code can be any identifier encodedwith information, such as a QR code, a barcode, a unique identifier, anyother interactive code, or the like. In some examples, a transactioncode can be a radio-frequency identifier (RFID) tag or other physicalidentifier that can be provided to the merchant. In some examples, thetransaction code can be associated with data that can be associated witha resource locator (e.g., a URL) associated with a location (e.g.,internet address) of the P2P payment platform and/or a deep link to themobile payment application 108. In some examples, the transaction codecan be specific to the transaction as it can be generated based at leastin part on the transaction data and/or an indication of the transaction.That is, in some examples, the transaction code can be dynamicallygenerated. However, in some examples, a transaction code can beparticular to a merchant and may not be based on transaction datareceived from the payment processing server(s) 104. That is, in someexamples, the transaction code can be static. In examples where thetransaction code is static, the request 204 may be optional. In suchexamples, the payment processing component 126 can return a statictransaction code that is associated with the merchant when a request fora transaction code is received (e.g., for presentation via a userinterface of the merchant computing device 114).

In at least one example, the P2P processing component 116 can send thetransaction code (e.g., via a transaction code communication 206) to themerchant computing device 114, via the payment processing component 126.In at least one example, the P2P processing component 116 can providethe transaction code via the P2P API 142, as described below withreference to FIG. 2B. In such an example, the payment processingcomponent 126 can receive the transaction code from the P2P server(s)102, via the P2P API 142, and can send the transaction code to themerchant computing device 114. In at least one example, the POSapplication 112 can receive the transaction code directly from the P2Pserver(s) 102, via the P2P API 142 (e.g., without the payment processingserver(s) 104 having first received it).

In at least one example the POS application 112 can receive thetransaction code and can cause the transaction code to be presented viaa user interface. In at least one example, the transaction code can bepresented via cart building user interface presented by the POSapplication 112. That is, the transaction code can be presented via theuser interface while the merchant is adding one or more items to avirtual cart (e.g., a data structure associated with one or more items(e.g., goods, services, etc.) that a customer intends to purchase, orotherwise acquire, from a merchant) associated with the transaction. Insome examples, the card building user interface can be presented priorto a payment selection user interface being presented. That is, in someexamples, the transaction code can be presented prior to a paymentselection user interface presented by the POS application 112. In anadditional or alternative example, the transaction code can be presentedin association with a payment selection user interface presented by thePOS application 112. In some examples, the transaction code can bepresented via a user interface associated with the POS application 112,for example with a completed transaction user interface (e.g., a userinterface that presents information indicating a transaction iscomplete), a digital receipt user interface (e.g., a user interface thatpresents information associated with the transaction, payment, and thelike), a loyalty user interface (e.g., a user interface for imputingloyalty information), a feedback user interface (e.g., a user interfacefor inputting feedback), or the like.

In some examples, instead of sending the transaction code to the paymentprocessing server(s) 104, and ultimately the merchant computing device114, the P2P processing component 116 can send the transaction code tothe customer computing device 110 (e.g., via a transaction codecommunication 208). In some examples, the transaction code can be sentto the customer computing device 110 as a text message, email, in-appnotification (e.g., presented via the mobile payment application 108),instant application, or the like. In such an example, instead of sendinga request for a transaction code, the request 204 can be a request tosend a transaction code to the customer computing device 110. In such anexample, the request 204 can include customer contact information and/ortype (e.g., phone number, alphanumeric/unique identifier, email address,etc.) and/or another customer identifier so that the P2P processingcomponent 116 knows where to send the transaction code.

In an example where the transaction code is provided to the merchantcomputing device 114, the customer can cause an interaction between thecustomer computing device 110 and the transaction code. In at least oneexample, the interaction can provide an authorization by the customerthat funds associated with their stored balance managed and/ormaintained by the P2P payment platform are to be used for payment of thetransaction. In some examples, the customer can utilize the sensor(s)140 associated with the customer computing device 110 to capture animage or obtain data associated with the transaction code. For instance,if the transaction code is a QR code, a camera associated with thecustomer computing device 110 can capture an image of the QR code. In anexample where the transaction code comprises an RFID tag, a NFC readerdevice can read data associated with the RFID tag via an interactionbetween the customer computing device 110 and the RFID tag (e.g., bybringing the customer computing device 110 within a threshold distanceof the RFID tag such that the NFC reader can read the data associatedtherewith). In some examples, the sensor used to capture the image orotherwise obtain data associated with the transaction code can be nativeto the customer computing device 110. In some examples, the sensor usedcan be integrated into the mobile payment application 108. In someexamples, if the sensor is a native sensor, the P2P processing component116 can send a request to the customer computing device 110 requestingthe customer confirm that they intend to use the P2P payment platformfor payment of the transaction.

In at least one example, based at least in part on detecting aninteraction between the customer computing device 110 and thetransaction code, the customer computing device 110 can determinewhether the customer computing device 110 is associated with the mobilepayment application 108 (e.g., whether the mobile payment application108 is downloaded thereon), as illustrated by the encircled number one.If the customer computing device 110 already has the mobile paymentapplication 108 downloaded thereon, the customer computing device 110can open the mobile payment application 108 and send an indication 210of the interaction via the mobile payment application 108 to the P2Pserver(s) 102. If the customer computing device 110 does not have themobile payment application 108 downloaded thereon, the customercomputing device 110 can nevertheless cause functionality associatedwith the mobile payment application 108 to be availed via the customercomputing device 110. In some examples, the P2P processing component 116can request information associated with the customer prior to sendingthe indication 210. Additional details are described below withreference to FIG. 3.

In an example where the transaction code is provided to the customercomputing device 110, the customer computing device 110 can detect aninteraction with the transaction code via a user interface of thecustomer computing device 110. In at least one example, based at leastin part on detecting an interaction with the transaction code, thecustomer computing device 110 can determine whether the customercomputing device 110 is associated with the mobile payment application108 (e.g., whether the mobile payment application 108 is downloadedthereon), as illustrated by the encircled number one. If the customercomputing device 110 already has the mobile payment application 108downloaded thereon, the customer computing device 110 can open themobile payment application 108 and send an indication 210 of theinteraction via the mobile payment application 108 to the P2P server(s)102. If the customer computing device 110 does not have the mobilepayment application 108 downloaded thereon, the customer computingdevice 110 can nevertheless cause functionality associated with themobile payment application 108 to be availed via the customer computingdevice 110. In some examples, the P2P processing component 116 canrequest information associated with the customer prior to sending theindication 210. Additional details are described below with reference toFIG. 3.

In at least one example, the P2P server(s) 102 can receive theindication 210 of the interaction. In at least one example, theindication 210 can provide an indication that the customer approves themerchant as a payee in the P2P transaction to be facilitated by the P2Pserver(s) 102 and the payment processing server(s) 104. In exampleswhere the mobile payment application 108 is installed on the customercomputing device 110, the mobile payment application 108 can send theindication 210 (e.g., of the interaction between the customer computingdevice 110 and the transaction code) to the payment processing server(s)104 (via the P2P server(s) 102). In at least one example, the P2Pprocessing component 116 can send the indication 210 of the transactioncode to the payment processing server(s) 104. In at least one example,the payment processing server(s) 104 can receive the indication 210 andcan send the indication 210 to the merchant computing device 114. Thatis, in at least one example, the payment processing component 126 cansend the indication 210 to the POS application 112. In at least oneexample, in response to receiving the indication 210 of the transactioncode, the POS application 112, can terminate the presentation of thetransaction code via the user interface of the merchant computing device114.

In some examples, as illustrated at the encircled number two, thepayment processing component 126 can compare received transaction datawith context data associated with the indication 210 of the interactionwith the transaction code to determine, or confirm, an associationbetween the customer and the transaction. Additional details aredescribed below with reference to FIG. 5.

In at least one example, based at least in part on receiving theindication 210 of the interaction, the payment processing component 126can send at least a portion of the transaction data to the customercomputing device 110 (e.g., via a transaction data communication 212).That is, in at least one example the payment processing component 126,can send at least a portion of the transaction data to the P2Pprocessing component 116. In at least one example, the P2P processingcomponent 116 can send the portion of the transaction data to the mobilepayment application 108 for presentation via a user interface associatedtherewith. In at least one example, when the portion of transaction datais sent in association with cart building, indications of one or moreitems added to a virtual cart of the customer can be presented via cartbuilding user interface presented by the mobile payment application 108.In some examples, the cart building user interface can be updated innear-real time, such that as an item is added to a virtual cart via thePOS application 112, an indication of the item can be presented via acart building interface presented by the mobile payment application 108.

In some examples, as the P2P processing component 116 receivestransaction data, the P2P processing component 116 can analyze thetransaction data to determine whether an incentive applies. Such aprocess, illustrated by the encircle number three, is described in moredetail below with reference to FIG. 7.

In at least one example, the POS application 112 can send a request 214to complete the transaction to the payment processing server(s) 104. Inat least one example, the merchant can provide an input via a cartbuilding user interface presented by the POS application 112 to indicatethat the transaction is complete. In such an example, the POSapplication 112 can send the request 214 to complete the transaction tothe payment processing component 126. That is, in at least one example,because the customer already interacted with the transaction code (e.g.,via the merchant computing device 114 or the customer computing device110), the payment processing component 126 can receive the request 214to complete the transaction and can use the P2P payment platform forprocessing payment for the transaction. In at least one example, thepayment processing component 126 can perform a risk analysis todetermine whether to proceed with processing payment for thetransaction, as illustrated by the encircled number four. Additionaldetails are described below with reference to FIG. 10.

In at least one example, so long as a level of risk determined to beassociated with the customer, the merchant, and/or the transaction isbelow a threshold, the payment processing component 126 can send anauthorization request 216, via the P2P communication component 128, tothe P2P server(s) 102. In at least one example, the P2P processingcomponent 116 can receive the authorization request 216 via the paymentprocessing communication component 118 and can determine whether toapprove or deny the authorization request 216 based at least in part ontransaction data received from the payment processing platform and/or astored balance of the customer managed and/or maintained by the P2Ppayment platform. The P2P processing component 116 can send anauthorization response 218 to the authorization request 216, which canbe received by the payment processing server(s) 104 (e.g., the paymentprocessing component 126). In least one example, if the stored balanceassociated with the customer is greater than, or equal to, the totalcost of the transaction, the payment processing component 126 can sendan authorization response 218 to the payment processing component 126.In some examples, the stored balance associated with the customer may beless than the total cost of the transaction. In at least one example,the P2P processing component 116 can authorize at least a portion of thecost of the transaction. In such an example, the P2P processingcomponent 116 can send an authorization response 218 to the paymentprocessing server(s) 104 indicating that at least the portion of thetotal cost of the transaction is approved. In some examples, even if thestored balance has insufficient funds, the P2P processing component 116can still authorize the payment if the stored balance is linked toanother payment source (e.g., a debit card or external bank account).However, while not shown in FIG. 2A, in some examples, if the storedbalance is less than the total cost of the transaction or any portion ofthe total cost of the transaction, the P2P server(s) 102 can send anauthorization response 218 to the payment processing server(s) 104indicating that the payment is denied.

In at least one example, based at least in part on receiving theauthorization response 218 from the P2P server(s) 102, and based atleast in part on the authorization response 218 indicating that apayment for at least a portion of the total cost of the transaction isauthorized, the payment processing component 126 can send a settlementrequest 220 to the P2P server(s) 102. In some examples, the paymentprocessing component 126 can perform an additional or alternative riskanalysis prior to sending the settlement request, as illustrated by theencircled number four. In at least one example, based at least in parton receiving the settlement request 220 from the payment processingserver(s) 104, the P2P processing component 116 can access fundsassociated with the stored balance of the customer. The P2P processingcomponent 116 can transfer the funds 222 from the P2P payment platformto the payment processing platform. That is, the P2P server(s) 102 cantransfer funds 222, equal to at least a portion of the total cost of thetransaction, from the stored balance of the customer to the paymentprocessing server(s) 104 for depositing into a stored balance of themerchant. In such an example, the payment processing component 126 canreceive the funds 222 and deposit at least a portion of the funds 222into a stored balance of the merchant managed and/or maintained by thepayment processing platform. In some examples, the payment processingcomponent 126 can deposit the funds 222 into the stored balance of themerchant prior to receiving the funds 222 from the P2P server(s) 102.The P2P server(s) 102 can transfer the funds 222 to the paymentprocessing server(s) 104, at which time, the payment processingcomponent 126 can “repay” the payment processing platform for the funds222 paid to the merchant.

In some examples, the payment processing component 126 can receive fundsin real-time. In some examples, funds can be batch transferred from theP2P server(s) 102 to the payment processing server(s) 104 such that thebatch, or otherwise grouped transfer, is associated with payments fortransactions of multiple, different merchants. In such examples, thefunds 222 can be associated with a transaction identifier and/ormerchant identifier to indicate which stored balance the funds 222 areto be deposited. In some examples where the funds 222 may be transferredat a time after payment for a transaction is complete, the funds can beadded (e.g., credited) to the stored balance of the merchant prior tothe payment processing server(s) 104 actually receiving the funds.

In at least one example, based at least in part on payment for thetransaction being complete, the payment processing component 126 cansend a notification 224 that the transaction is complete to the POSapplication 112 and/or can send a notification 226 that the transactionis complete to the mobile payment application 108, via the P2P server(s)102. In at least one example, the POS application 112 can present a userinterface indicating that the transaction is complete. In at least oneexample, the mobile payment application 108 can present a user interfaceindicating that the transaction is complete. In some examples, themobile payment application 108 can present a user interface to enablethe customer to provide a gratuity (e.g., a tipping user interface),loyalty information, feedback, and/or the like. Additional details areprovided below.

FIG. 2A illustrates a process 200, shown at a high-level, for processinga payment for a transaction using a P2P payment platform integrated witha payment processing platform. FIG. 2B illustrates additional detailsassociated with one example implementation of the process 200 describedabove with reference to FIG. 2A. In FIG. 2B, the payment processingserver(s) 104 can send one or more communications with the P2P API 142to initiate a payment via the P2P payment platform. That is, in FIG. 2B,the payment processing server(s) 104 can set up the payment transactionwith the P2P payment platform such that the P2P payment platform knowsthat a merchant is requesting a payment from a user (i.e., the customer)of the P2P payment platform.

FIG. 2B illustrates another swim-lane diagram with additional componentsthat illustrates additional operations between devices and/or componentsof the environment 100 described above. As described above, the P2Ppayment platform can be integrated with the payment processing platform.In at least one example, such an integration can be achieved via an API,such as the P2P API 142. In at least one example, the P2P API 142 canexchange communications with a gateway 228, a notifier 230, and/or thepayment processing component 126.

In at least one example, the gateway 228 can accept requests to providea transaction code to a merchant computing device 114 (e.g., the POSapplication 112) and/or a customer computing device 110 (e.g., themobile payment application 108). Furthermore, the gateway 228 cansubscribe to webhooks, or other communications, from the P2P API 142. Insome examples, the gateway 228 can send merchant information to the P2PAPI 142 to provide accurate and consistent data to the P2P API 142.

In some examples, the notifier 230 can be a component that availsnotification services to the payment processing server(s) 104. In someexamples, a merchant that desires to use techniques described herein canset up a configuration with the notifier 230 and register an applicationidentifier (e.g., associated with the instance of the POS application112, for example) with the notification service. In some examples, sucha configuration can indicate one or more processes for providing updatesto client computing devices, such as the merchant computing device 114and/or the customer computing device 110. In at least one example, thenotifier 230 can provide notifications to the merchant computing device114 and/or the customer computing device 110 based on applicationidentifier (e.g., identifying the instance of the POS application 112)and/or a client identifier (e.g., an identifier that the P2P paymentplatform can use to attribute API calls to a particular clientintegration).

In at least one example, the gateway 228, the notifier 230, and thepayment processing component 126 can be associated with the paymentprocessing server(s) 104. In some examples, the gateway 228, thenotifier 230, and/or the payment processing component 126 can becomponents of the payment processing server(s) 104. In some examples,the gateway 228, the notifier 230, and/or the payment processingcomponent 126, and/or services availed thereby, can be accessible to thepayment processing server(s) 104, but may not be components of thepayment processing server(s) 104.

Each of the components performing operations in FIG. 2B (e.g., the P2PAPI 142, the gateway 228, the notifier 230, the payment processingcomponent 126, and the merchant computing device 114) are represented byvertical lines. In at least one example, horizontal lines shown asoriginating from or terminating at a line corresponding to a particularcomponent can represent communications sent from or received by theparticular component. Additional details are provided below.

In at least one example, the merchant computing device 114 can send arequest 234 to begin a transaction, which can be received by the gateway228. In some examples, the request 234 can originate from the POSapplication 112. In some examples, the request 234 can be associatedwith transaction data and/or a request for a transaction code asdescribed above with reference to FIG. 2A (e.g., the transaction datacommunication 202 and/or the request 204 for a transaction code). Thatis, in some examples, the request 234 can be a request to retrieve atransaction code associated with authorization data corresponding to thecustomer (e.g., a URL, token, or the like). In some examples, therequest 234 can include an application identifier (e.g., identifying theinstance of the POS application 112), a client identifier (e.g., anidentifier that the P2P payment platform can use to attribute API callsto a particular client integration), a transaction identifier (e.g.,associated with the transaction), and/or the like.

In some examples, the request 234 can be a request to send a transactioncode to a customer computing device 110. In such an example, the request234 can be associated with a client identifier (e.g., an identifier thatthe P2P payment platform can use to attribute API calls to a particularclient integration), a transaction identifier (e.g., associated with thetransaction), customer contact information and/or type (e.g., phonenumber, alphanumeric/unique identifier, email address, etc.), and/or thelike.

In at least one example, the gateway 228 can send a merchant request236, to the P2P API 142, and can receive a merchant response 238 fromthe P2P API 142. In some examples, the merchant request 236 and merchantresponse 238 can be used to identify which merchant, of the variousmerchants associated with the payment processing platform, is associatedwith the transaction. That is, the merchant request 236 and the merchantresponse 238 can be to set up a “peer” in the P2P push-pull transaction(i.e., transfer of funds) facilitated by the P2P payment platform.Responsive to receiving the merchant response 238, the gateway 228 cansend an authorization request 240 to the P2P API 142 and can receive anauthorization response 242. Such an authorization request 240/response242 can be different than the authorization request 216/response 218 ofFIG. 2A in that the authorization request/response 240/242 can be toauthorize access to the transaction code. Based at least in part onreceiving the authorization response 242, the gateway 228 can sendresponse 244 to the request 234 (e.g., a begin transaction response 244)to the merchant computing device 114. In at least one example, theresponse 244 can be associated with a transaction code, such as a QRcode, barcode, or the like. That is, in some examples, the response 244can be associated with the provisioning of the transaction code to themerchant computing device 114, as illustrated in communication 206 ofFIG. 2A. In an example where the transaction code is being provided tothe customer computing device 110, as illustrated in communication 208of FIG. 2A, the response 244 can be sent to the customer computingdevice 110 via the P2P server(s) 102 instead of or in addition to themerchant computing device 114. In at least one example, after thegateway 228 has sent the response 244, the gateway 228 can wait andlisten for an event (e.g., a payment application action 246 and/orcommunication (e.g., webhook) associated therewith).

In at least one example, the P2P API 142 can receive a paymentapplication action 246, which can be an interaction with a provisionedtransaction code associated with the P2P payment platform (e.g.,provided to the customer computing device 110 and/or an indication of aninteraction between the customer computing device 110 and thetransaction code (e.g., provided to the merchant computing device 114).That is, in some examples, the indication 210 of the transaction codedescribed above with reference to FIG. 2A can be indicative of thepayment application action 246 (e.g., an interaction with thetransaction code). In at least one example, the “payment application”referred to herein can be the mobile payment application 108, describedabove.

Based at least in part on receiving the payment application action 246,the P2P API 142 can send a webhook 248 to the gateway 228. In at leastone example, the webhook 248 can be a resource locator (e.g., URL) thatis accessible without authentication. In some examples, the P2P API 142can call the webhook 248 with data describing events applicable tocustomer and/or customer computing device 110 actions. In some examples,the webhook 248 can obtain the authorization code from the paymentapplication action 246 (e.g., when the customer approves the request touse the P2P payment platform for payment of the transaction byinteracting with the transaction code provided to a customer computingdevice 110 and/or causing an interaction between the customer computingdevice 110 and a transaction code). That is, the webhook 248 can includeauthorization data received based at least in part on a customerinteraction with a transaction code associated with the transaction(e.g., the customer has approved the merchant as a payee for thetransaction). Based at least in part on receiving the webhook 248, thegateway 228 can send an exchange authorization code request 250 to theP2P API 142 and can receive an exchange authorization code response 252from the P2P API 142. In at least one example, the webhook 248 canprovide an authorization code that can be used for retrieving one ormore tokens (e.g., access, or single-use, token and/or refresh, ormulti-use, token). That is, the exchange authorization code request 250can include the authorization code associated with the webhook 248 andthe exchange authorization code response 252 can include the one or moretokens. In some examples, the gateway 228 can make a call to the mobilepayment application 108 to obtain additional or alternative informationassociated with the customer (e.g., the customer name,alphanumeric/unique identifier, token, location information, etc.).Furthermore, in some examples, where the gateway 228 has access torefresh token (e.g., a token that was obtained via a previousauthorization flow and can be used to generate a new access token), theexchange authorization code request 250 can include the refresh token,in addition to the authorization code, customer identifier, permissions,and/or the like.

After receiving the exchange authorization code response 252, thegateway 228 can then send a request 254 to the notifier 230 indicatingthat the P2P API 142 is ready for payment. That is, in at least oneexample, the event the gateway 228 is waiting and listening for is thewebhook 248 and corresponding authorization (e.g., receipt of theexchange authorization code response 252). In at least one example, therequest 254 can include an application identifier (e.g., identifying theinstance of the POS application 112), a client identifier (e.g., anidentifier that the P2P payment platform can use to attribute API callsto a particular client integration), a customer identifier (e.g., aunique identifier, such as an account number, token, etc.), atransaction identifier (e.g., associated with the transaction), anauthorization code (e.g., the authorization code supplied by the webhook248), and/or the like.

In at least one example, the notifier 230 can send a notification 256 tothe merchant computing device 114 to notify the merchant computingdevice 114 that the gateway 228 is ready to take a payment. That is, thenotification 256 can indicate that the payment state has advanced to apoint where the merchant computing device 114 (e.g., the POS application112) can begin a payment for a transaction. In at least one example, thenotification 256 can be associated with customer data including, but notlimited to, a customer identifier. In at least one example, the notifier230 can also send a response 258 to the gateway 228, indicating that thenotifier 230 sent the notification 256 to the merchant computing device114.

It should be noted that, in some examples, the merchant computing device114 can proceed without receiving the notification 256 (e.g., in anonline/ecommerce example). In such an example, the merchant computingdevice 114 can complete approval on a web page (e.g., a online store ofa merchant/ecommerce web page) and a callback can be returned to themerchant computing device 114 which can include an authorization code,such as the authorization code received with the exchange authorizationcode response 252. In such an example, the transaction can proceedwithout receiving the notification 256, so long as the authorizationcode is associated with a request such as the add tenders request 260 oranother similar request. In such an example, the gateway 228 can receivethe authorization code associated with such a request and exchange theauthorization code for one or more tokens (e.g., access, etc.) forcompleting payment for the transaction.

In at least one example, the merchant computing device 114 can send arequest (e.g., the add tenders request 260) to initialize processingpayment of a transaction to the payment processing component 126. Insome examples, the add tenders request 260 can be associated with therequest to complete the transaction 214, in FIG. 2A. In at least oneexample, the add tenders request 260 can be associated with anauthorization code (e.g., provided via the response 252), an identifierassociated with the transaction, an identifier associated with thecustomer (e.g., phone number, email address, or alphanumeric/uniqueidentifier), a name of the customer, and/or other data associated withthe customer. The payment processing component 126 can receive the addtenders request 260 and can send an authorization request 262 toauthorize payment of the transaction to the gateway 228. The gateway 228can send a payment request 264 to the P2P API 142, and the P2P API 142can send a payment response 266 to the gateway 228. In at least oneexample, the authorization request 216, of FIG. 2A, can comprise theauthorization request 262 and the payment request 264. Based at least inpart on receiving the payment response 266, the gateway 228 can send anauthorization response 268 to the payment processing component 126. Inat least one example, the authorization response 218, of FIG. 2A, cancomprise the payment response 266 and the authorization response 268.The payment processing component 126 can then send a response (e.g., anadd tenders response 270) to the add tenders request 260 to the merchantcomputing device 114. In at least one example, when the paymentprocessing component 126 captures funds, the access token can beassociated with the settlement request, such as the settlement request220, described above with reference to FIG. 2A.

While FIGS. 2A and 2B reference a transfer of funds from the P2P paymentplatform to the payment processing platform, in some examples, the P2Pprocessing component 116 can transfer funds to an external bank accountof the merchant.

In some examples, a different endpoint can perform operations asdescribed as being performed by the merchant computing device 114 inFIGS. 2A and 2B. In an example where such an endpoint is another clientdevice, such as a customer computing device from which a customer isbrowsing an online store/ecommerce web page of a merchant and thetransaction code is presented via the online store/ecommerce web page,the ready for payment notification 256 can be sent from the notifier 230and/or the payment processing server(s) 104 to server(s) of the merchantand/or ecommerce server(s) associated with the merchant, and associatedwith a web browser from which the online store/ecommerce web page isbeing presented. In such an example, the communications described inFIG. 2B can be exchanged to facilitate a P2P payment as describedherein.

FIG. 3 illustrates an example process 300 for initiating a payment for atransaction on a computing device of a customer, as described herein.

At operation 302, the customer computing device 110 can receive, inassociation with a transaction between a customer and a merchant, anindication of an interaction with a transaction code associated with P2Ppayment platform. In at least one example, the customer can cause aninteraction between the customer computing device 110 and thetransaction code. In some examples, the customer can utilize thesensor(s) 140 associated with the customer computing device 110 tocapture an image or obtain data associated with the transaction code.For instance, if the transaction code is a QR code, a camera associatedwith the customer computing device 110 can capture an image of the QRcode. In an example where the transaction code comprises an RFID tag, aNFC reader device can read data associated with the RFID tag via aninteraction between the customer computing device 110 and the RFID tag(e.g., by bringing the customer computing device 110 within a thresholddistance of the RFID tag such that the NFC reader can read the dataassociated therewith).

In another example, the customer computing device 110 can receive thetransaction code via a text message, email, in-app notification, or thelike. In such an example, the customer can interact with the transactioncode via a user interface presented by the customer computing device110.

At operation 304, the customer computing device 110 can determinewhether the computing device (e.g., the customer computing device 110)has a mobile payment application 108 associated with the P2P paymentplatform installed thereon. In at least one example, based at least inpart on detecting an interaction with the transaction code, the customercomputing device 110 can determine whether the customer computing device110 is associated with the mobile payment application 108 (e.g., whetherthe mobile payment application 108 is downloaded thereon). Based atleast in part on determining that the computing device (e.g., thecustomer computing device 110) has the mobile payment application 108installed, the customer computing device 110 can send an indication ofthe interaction to server(s) associated with the P2P payment platform(e.g., the P2P server(s) 102), as illustrated at operation 306. That is,if the customer computing device 110 already has the mobile paymentapplication 108 downloaded thereon, the customer computing device 110can open the mobile payment application 108 and send an indication ofthe interaction via the mobile payment application 108 to the P2Pserver(s) 102.

In some examples, the sensor used to capture the image or otherwiseobtain data associated with the transaction code can be native to thecustomer computing device. In some examples, the sensor used can beintegrated into the mobile payment application 108. In at least oneexample, the customer computing device 110 can send an indication of theinteraction to the P2P processing component 116, which can be associatedwith data indicating a source of the interaction (e.g., a native sensoror an integrated sensor). In at least one example, if the sensor used toscan, capture, or otherwise interact with the transaction code is anative sensor, the P2P processing component 116 can send a request tothe customer computing device 110 for the customer to provide an inputto confirm an intent to proceed via the P2P payment platform (e.g.,which may be a prompt to open the mobile payment application 108 or aninstant application associated therewith). In some examples, if anintegrated sensor is used to scan, capture, or otherwise interact withthe transaction code, such a confirmation may not be needed as theintent can be implied via the customer having previously opened themobile payment application 108. However, in some examples, the P2Pprocessing component 116 can nevertheless send an authorization requestto the customer computing device 110 to or confirm authorization priorto opening the mobile payment application 108 and/or sending theindication to the payment processing platform. The P2P processingcomponent 116 can receive the indication and send the indication to thepayment processing server(s) 104. As described above, the paymentprocessing component 126 can, in some examples, send the indication tothe POS application 112.

At operation 308, based at least in part on determining that thecomputing device (e.g., the customer computing device 110) does not havethe mobile payment application 108 installed, the customer computingdevice 110 can present, via a user interface of the computing device(e.g., the customer computing device 110), a prompt to download themobile payment application 108. In at least one example, if the customercomputing device 110 does not have the mobile payment application 108downloaded thereon, the customer computing device 110 can neverthelesscause functionality associated with the mobile payment application 108to be availed via the customer computing device 110. In at least oneexample, such functionality can be availed via an instant application.As described above, an instant application can be a portion of a fullapplication, such as the mobile payment application 108, that enablesthe customer to perform a specific, discreet functionality availed viathe mobile payment application 108. In an additional or alternativeexample, functionality associated with the mobile payment application108 can be availed via the customer computing device on a web browserassociated therewith. In examples where the mobile payment application108 is not already downloaded on the customer computing device 110, theinstant application or the web browser can prompt the customer todownload the mobile payment application 108. In at least one example,the instant application and/or the web browser can include a prompt toprompt the customer to download the full mobile payment application 108.

At operation 310, the customer computing device 110 can determinewhether a request to download the mobile payment application 108 hasbeen received. Based at least in part on a request to download themobile payment application 108 having been received, the computingdevice (e.g., the customer computing device 110) can cause the mobilepayment application 108 to be downloaded on the computing device (e.g.,the customer computing device 110), as illustrated at operation 312.

In some examples, where the mobile payment application 108 is notalready downloaded on the customer computing device 110, and/or wherethe customer does not have an account or profile associated with the P2Ppayment platform, the P2P processing component 116 can initialize anonboarding process to onboard the customer to the P2P payment platform.That is, in some examples, the transaction code can cause the customercomputing device 110 to send an indication of the transaction code tothe P2P server(s) 102. Such an indication can include a deviceidentifier, which can be used by the P2P processing component 116 todetermine whether the device (e.g., the customer computing device 110)is associated with an account or profile associated with the P2Pprocessing component 116. If the device is not associated with anaccount or profile, the P2P processing component 116 can send a requestto the customer computing device 110 for information that can be used togenerate an account or a profile. In some examples, such a request canbe associated with an onboarding process. In some examples, based atleast in part on detecting an interaction with the transaction code, auser interface can be presented via the customer computing device 110,which can prompt the customer to provide an identifier and/or otherwiseauthenticate with the P2P payment platform (e.g., username/password,biometric identifier, etc.). In at least one example, such a prompt caninclude an option to create an account. Responsive to the customerproviding input requesting to create an account, the P2P processingcomponent 116 can send a request to the customer computing device 110for information that can be used to generate an account or a profile. Insome examples, such a request can be associated with an onboardingprocess.

At operation 314, the customer computing device 110, can present anerror message via the user interface. That is, if the customer does notopt to download the mobile payment application 108, in at least oneexample, the customer computing device 110 can present an error messagethat can notify the customer to use an alternative payment method.However, in some examples, if mobile payment application 108 isavailable via an instant application or web browser, the processdescribed above, with reference to operations 312 and 306 can beperformed via the instant application or web browser.

In an example where the customer does not opt to download the mobilepayment application 108 and instead opts to pay with another paymentinstrument (e.g., credit card, debit card, etc.), the P2P processingcomponent 116 can send a request to download the mobile paymentapplication 108 and/or a prompt to onboard to the P2P payment platformat a time after payment is completed using the selected paymentinstrument. In some examples, the payment processing component 126 cansend customer data and/or payment data associated with the selectedpayment instrument to the P2P payment platform to streamline onboardingof the customer.

FIG. 4A illustrates an example GUI 400 that can be presented via themerchant computing device 114. In at least one example, the POSapplication 112 can present a payment selection user interface thatincludes user interface element(s) representing payment option(s) forremitting payment for a transaction between a merchant and a customer(e.g., credit, debit, other). In at least one example, the GUI 400 caninclude a transaction code, such as a QR code 402, that can beassociated with a P2P payment platform. As described above, thetransaction code can include a resource locator associated with alocation of the P2P payment platform and/or a deep link to the mobilepayment application 108. In at least one example, the customer computingdevice 110 can interact with the transaction code, for example using thesensor(s) 140 associated therewith. For instance, a camera can capturean image of the QR code 402.

FIG. 4B illustrates an example GUI 404 that can be presented via thecustomer computing device 110. In at least one example, as describedabove with reference to operation 304 of FIG. 3, based at least in parton receiving an indication of an interaction between the customercomputing device 110 and a transaction code, the customer computingdevice 110 can determine whether the mobile payment application 108 isinstalled on the customer computing device 110. Based at least in parton determining that the mobile payment application 108 is not installedon the customer computing device 110, the customer computing device 110can present a GUI, similar to the GUI 404, that prompts the customer toinstall the mobile payment application 108 (e.g., via actuation of afirst selectable control 406) and/or enables the customer to accessfunctionality associated with the mobile payment application 108 via aninstance application (e.g., via actuation of a second selectable control408). Based at least in part on detecting an input associated with anactuation of the first selectable control 406, the customer computingdevice 110 can send a request to the P2P server(s) 102 to cause themobile payment application 108 to be downloaded on the customercomputing device 110. Based at least in part on detecting an inputassociated with an actuation of the second selectable control 408, thecustomer computing device 110 can send a request to the P2P server(s)102 to cause a portion of the mobile payment application 108 to bedownloaded on the customer computing device 110. In such an example, thecustomer may be able to perform a specific, discrete functionality viathe instant application without downloading the full mobile paymentapplication 108. In at least one example, the instant application caninclude a prompt to download the full mobile payment application 108.

In some examples, the GUI 404 can be presented via a web browserassociated with the customer computing device 110.

FIG. 5 illustrates an example process 500 for associating a customerwith a transaction based at least in part on determining acorrespondence between transaction data and context data, as describedherein.

At operation 502 the payment processing component 126 can receive, froma computing device of a merchant (e.g., the merchant computing device114) and in association with a transaction between the merchant and acustomer, transaction data associated with the transaction. As describedabove, in at least one example, the POS application 112 can configurethe merchant computing device 114 as a POS terminal. In at least oneexample, the POS application 112 can generate transaction dataassociated with a transaction between a customer and a merchant. Thetransaction data can include item(s) to be purchased (or otherwiseacquired) via the transaction, detail(s) associated with such item(s),item cost(s) associated with the item(s), a total cost of the item(s),an identifier of the merchant, an identifier of the merchant computingdevice 114, an identifier of the instance of the POS application 112, anidentifier of the transaction, a location associated with the merchantcomputing device 114, a timestamp associated with the transaction, adatestamp associated with the transaction, and/or the like.

In at least one example, the POS application 112 can send transactiondata to the payment processing component 126. In some examples, thetransaction data can be sent to the payment processing component 126 innear-real time. That is, as new transaction data is generated, suchtransaction data can be sent to the payment processing component 126. Insome examples, the transaction data can be sent in batches, at aparticular frequency, after a lapse of a period of time, responsive to acondition being satisfied (e.g., a total cost of a transactionsatisfying a threshold, a request to complete a transaction beingreceived, etc.), or the like. In some examples, a portion of transactiondata can be sent to the payment processing server(s) 104. In someexamples, the portion of transaction data can correspond to an “event”(e.g., a new item added to a cart, etc.), etc. and such “event data” canbe sent to the payment processing component 126 on a per-event basis. Insome examples, the payment processing component 126 can receive thetransaction data from the POS application 112. In some examples, thepayment processing component 126 can store the transaction data (e.g.,in a data structure associated with the transaction).

At operation 504, the payment processing component 126 can receive, fromservers associated with a P2P payment platform (e.g., the P2P server(s)102), context data associated with an interaction with a transactioncode associated with the P2P payment platform. In at least one example,the P2P payment platform can receive an indication of an interaction,which can be between the customer computing device 110 and thetransaction code (e.g., via a sensor associated with the customercomputing device 110) or a customer and the transaction code (e.g., viaa user interface of the customer computing device 110). In exampleswhere the mobile payment application 108 is installed on the customercomputing device 110, the mobile payment application 108 can send anindication of the transaction code (e.g., an indication of theinteraction to the P2P server(s) 102. In at least one example, if themobile payment application 108 is not installed on the customercomputing device 110 at the time of the interaction, the indication ofthe interaction can be sent after the mobile payment application 108 isinstalled, via an instant application, via a web browser, or the like.

In at least one example, the indication of the interaction between thecustomer computing device 110 and the transaction code can be associatedwith context data. The context data can include, but is not limited to,a timestamp associated with the interaction, a location associated withthe interaction, a transaction identifier, or the like. In someexamples, the context data can include authorization data.

At operation 506, the payment processing component 126 can determine acorrespondence between the transaction data and the context data. In atleast one example, the payment processing component 126 can comparereceived transaction data with context data associated with theindication of the interaction between the transaction code 208 todetermine, or confirm, an association between the customer and thetransaction. In at least one example, the payment processing component126 can compare a timestamp associated with the transaction data withthe timestamp associated with the context data to determine acorrespondence, or other correlation, between a customer and atransaction. In an additional or alternative example, the paymentprocessing component 126 can compare the location associated with thetransaction data with the location associated with the context data todetermine a correspondence, or other correlation, between a customer anda transaction. In some examples, the payment processing component 126can compare a transaction identifier associated with the transactiondata with a transaction identifier associated with the context data todetermine a correspondence, or other correlation, between a customer anda transaction.

At operation 508, the payment processing component 126 can associate thecustomer with the transaction. In at least one example, the paymentprocessing component 126 can determine a correspondence betweentransaction data and context data, as described above. In such anexample, the payment processing component 126 can determine that aparticular customer is associated with a particular transaction. Basedat least in part on such a determination, the payment processingcomponent 126 can associate the customer with the transaction. That is,the payment processing component 126 can map, or otherwise associate, anidentifier associated with the customer with an indication of thetransaction (e.g., a data structure) associated with the paymentprocessing server(s) 104.

In at least one example, based at least in part on associating thecustomer with the transaction, the payment processing component 126 cansend transaction data, or a portion thereof, to the mobile paymentapplication 108, as described above. That is, based at least in part ondetermining that a customer corresponds to a particular transaction, thepayment processing component 126 can send transaction data, or a portionthereof, to the P2P server(s) 102, which can send the transaction data,or a portion thereof, to the mobile payment application 108 (associatedwith the customer). In an additional or alternative example, based atleast in part on associating the customer with the transaction, thepayment processing component 126 can cause funds to be transferred froma stored balance of the customer associated with the P2P paymentplatform to a stored balance of the merchant associated with the paymentprocessing platform, as described above.

As described above, in some examples, a transaction code can be dynamic.That is, in some examples, a transaction code can be generated by theP2P processing component 116 based at least in part on receiving anindication of a transaction and/or a request to generate a transactioncode associated with the transaction. In such examples, the transactioncode can be encoded with information associated with the transaction.However, in other examples, a transaction code can be static. That is,the transaction code can be generated, provided to the merchant, andused for one or more transactions. In such an example, the transactioncode can be encoded with information associated with the merchant, alocation, a particular brick-and-mortar store, and/or the like. When astatic transaction code is captured, or otherwise interacted with, usingthe customer computing device 110, the payment processing component 126,and an indication of the interaction is sent to the payment processingserver(s) 104, the payment processing component 126 may not know whichtransaction the indication is associated with. As such, the paymentprocessing component 126 can compare context data associated with theinteraction with the transaction data to determine which transaction theindication is associated with. After the transaction has been associatedwith the customer, the payment processing component 126 can providetransaction data to the P2P server(s) 102 for facilitating contactlesspayments and/or other interactions with transactions, as describedherein.

FIG. 6A illustrates an example GUI 600 that can be presented via themerchant computing device 114. In at least one example, as the merchantadds item(s) to a virtual cart, user interface element(s) 602 can bepresented via the GUI 600. In at least one example, the user interfaceelement(s) 602, which can be text elements, images, icons, combinationsof the foregoing, or the like, can represent individual item(s) added tothe virtual cart and/or details associated therewith. In at least oneexample, the GUI 600 can include a transaction code, such as a QR code604, that can be associated with a P2P payment platform. As describedabove, the transaction code can include a resource locator associatedwith a location of the P2P payment platform and/or a deep link to themobile payment application 108. In at least one example, the customercomputing device 110 can interact with the transaction code, for exampleusing the sensor(s) 140 associated therewith. For instance, a camera cancapture an image of the QR code 604. In some examples, the transactioncode can be presented in association with a cart building userinterface, as shown in FIG. 6A.

In at least one example, based at least in part on the customerinteracting with the transaction code via the customer computing device110, the payment processing server(s) 104 can cause at least a portionof transaction data associated with the transaction to be sent to thecustomer computing device 110. The customer computing device 110 canreceive the transaction data, or a portion thereof, and the mobilepayment application 108 can cause the transaction data, or the portionthereof, to be presented via a user interface, such as the GUI 606illustrated in FIG. 6B. That is, the customer computing device 110 canpresent the GUI 606, which can include the same, or similar, transactiondata as is being presented by the GUI 600. In at least one example, theGUI 606 can include user interface element(s) 608 representative ofitem(s) associated with the transaction. Such user interface element(s)608 can be text elements, graphics, icons, images, and/or the like. Inat least one example, the GUI 606 can be a cart building user interfacethat is presented by the mobile payment application 108.

In at least one example, if the transaction code is a static identifier(e.g., if the QR code 604 is static), the payment processing component126 may first determine an association between the transaction and thecustomer, as described above with reference to FIG. 5, before sendingthe transaction data, or the portion thereof, to the customer computingdevice 110. In some examples, even if the transaction code is a dynamicidentifier (e.g., if the QR code 604 is dynamic), the payment processingcomponent 126 can compare transaction data and context data, asdescribed above with reference to FIG. 5, to confirm an associationbetween a customer and a transaction prior to sending the transactiondata, or the portion there of, to the customer computing device 110.

FIG. 7 illustrates an example process 700 for determining whether anincentive applies to a transaction, as described herein.

At operation 702, the P2P processing component 116 can receive, fromserver(s) of a payment processing platform (e.g., the payment processingserver(s) 104), at least a portion of transaction data associated with atransaction between a merchant and a customer. As described above, basedat least in part on receiving an indication of an interaction associatedwith a transaction code and/or a determination of an association betweenthe customer and the transaction, the payment processing component 126can send at least a portion of transaction data associated with thetransaction to the P2P server(s) 102. In at least one example, the P2Pprocessing component 116 can receive the transaction data.

In at least one example, the payment processing component 126 can sendtransaction data to the P2P processing component 116. In some examples,the transaction data can be sent to the P2P processing component 116 innear-real time. That is, as new transaction data is received (e.g., fromthe POS application 112, such transaction data can be sent to the P2Pprocessing component 116. In some examples, the transaction data can besent in batches, at a particular frequency, after a lapse of a period oftime, responsive to a condition being satisfied (e.g., a total cost of atransaction satisfying a threshold, a request to complete a transactionbeing received, etc.), or the like. In some examples, a portion oftransaction data can be sent to the P2P processing component 116. Insome examples, the portion of transaction data can correspond to an“event” (e.g., a new item added to a cart, etc.), etc. and such “eventdata” can be sent to the P2P processing component 116 on a per-eventbasis.

At operation 704, the P2P processing component 116 can access customerdata associated with the customer. In at least one example, the customercan be a “user” of the P2P payment platform and thus, such data can bestored in the data store(s) 120, for example, in the user data 122. Inat least one example, the user data 122 can indicate one or moreincentives that are available for the customer.

At operation 706, the P2P processing component 116 can determine whetheran incentive applies to the transaction. In at least one example, basedat least in part on accessing the customer/user data associated with thecustomer, the P2P processing component 116 can determine whether thecustomer has any incentives available for the transaction. In anadditional or alternative example, the P2P processing component 116 maydetermine whether the P2P payment platform has any incentives availablefor the transaction, without accessing the customer/user data, asillustrated by the dashed line from operation 702 to operation 706. Anincentive can be associated with a discount, a loyalty reward,prioritized offer or booking, etc. In some examples, an incentive can beapplied to or applicable for a previous transaction, a currenttransaction, or a future transaction. In some examples, the incentivecan be associated with the merchant with which the transaction isassociated, another merchant that is associated with the P2P paymentplatform and/or the payment processing platform, or a merchant that isnot associated with either the P2P payment platform and/or the paymentprocessing platform.

In some examples, an incentive can be particular to a merchant suchthat, if the transaction data indicates that a transaction is associatedwith the particular merchant, the incentive can be applicable to thetransaction. In another example, an incentive can be particular to anitem or bundle of items, such that if transaction data indicates that atransaction is associated with the item or bundle of items, theincentive can be applicable to the transaction. In some examples, anincentive can be associated with a location, or geo-fence, such that iftransaction data indicates that a transaction is associated with thelocation, or within the geo-fence, the incentive can be applicable tothe transaction. In some examples, an incentive can be associated with aMCC such that if transaction data indicates that a transaction isassociated with a merchant associated with the MCC, the incentive can beapplicable to the transaction. As described above, in some examples,incentives can be particular to a customer (e.g., an indication of suchan incentive can be stored in the customer/user data). In some examples,incentives can be available to all users associated with the P2P paymentplatform, a subset of users associated with the P2P payment platform, orthe like.

At operation 708, based at least in part on determining that anincentive does not apply to the transaction, the P2P processingcomponent 116 can send the portion of the transaction data to acomputing device of the customer (e.g., the customer computing device110). That is, if no incentives are available and/or apply to thetransaction, the P2P processing component 116 can send the transactiondata, or the portion thereof, to the mobile payment application 108 forpresentation on the customer computing device 110.

At operation 710, based at least in part on determining that anincentive applies to the transaction, the P2P processing component 116can send a recommendation to apply the incentive to the computing deviceof the customer (e.g., the customer computing device 110). In at leastone example, based at least in part on determining that an incentiveapplies to the transaction, the P2P processing component 116 can send arecommendation to the customer computing device 110. In such an example,the recommendation can identify the incentive and prompt the customer toprovide an input indicating whether to apply the incentive to thetransaction (or otherwise redeem the incentive). FIG. 8 illustrates anon-liming example of such a recommendation being presented via the GUI606 of FIG. 6B above. That is, in at least one example, the P2Pprocessing component 116 can cause a user interface element 800, whichcan be a pop-up, overlay, window, or the like to be presented via theGUI 606. In at least one example, the user interface element 800 caninclude one or more mechanisms that can be actuated to enable thecustomer to accept the recommendation (e.g., “Apply Now”), and have theincentive applied to the transaction, or reject the recommendation(e.g., the “x” in the upper left corner).

At operation 712, the P2P processing component 116 can determine whetheran instruction to apply the incentive is received. At operation 714,based at least in part on determining that an instruction to apply theincentive is not received (e.g., the customer does not provide an inputwithin a designated period of time and/or provides an input indicatingnot to apply the incentive), the P2P processing component 116 candetermine not to apply the incentive. At operation 716, based at leastin part on receiving an instruction to apply the incentive, the P2Pprocessing component 116 can apply the incentive to the transaction. Insuch an example, the P2P processing component 116 can apply theincentive to the transaction such that when the transaction is complete,the P2P processing component 116 can settle the transaction havingapplied the incentive. In an example where an incentive is a coupon forlater use, loyalty rewards, priority booking or the like, “application”of such an incentive may be associating the coupon, loyalty rewards,priority booking or the like with an account or profile of the customer.In an example where an incentive is a discount, “application” of such anincentive may be reducing the total cost of the transaction by thediscount.

While operations 706-716 describe presenting a recommendation to applyan incentive and applying an incentive based at least in part onreceiving an instruction to apply the incentive, in some examples, theprocessing component 116 can automatically apply an incentive thatapplies to a transaction. For instance, as illustrated by the dashedline from operation 706 to operation 716, in some examples, the P2Pprocessing component 116 can automatically apply the incentive and, insuch examples, can present an indication that the incentive was appliedvia a user interface presented by the mobile payment application 108.FIG. 9 illustrates non-liming example of such an indication beingpresented via the GUI 606 of FIG. 6B above. That is, in at least oneexample, the P2P processing component 116 can apply the incentive andcan cause user interface element(s) 900 to be presented via the GUI 606.In some examples, the GUI 606 can be updated to include the userinterface element(s) 900 after the incentive has been applied. In atleast one example, the P2P processing component 116 can apply theincentive to the transaction such that when the transaction is complete,the P2P processing component 116 can settle the transaction havingapplied the incentive. As described above, in an example where anincentive is a coupon for later use, loyalty rewards, priority bookingor the like, “application” of such an incentive may be associating thecoupon, loyalty rewards, priority booking or the like with an account orprofile of the customer. In an example where an incentive is a discount,“application” of such an incentive may be reducing the total cost of thetransaction by the discount.

FIG. 10 illustrates an example process 1000 for determining whether toprocess payment for a transaction based at least in part on a level ofrisk associated with a customer, merchant, and/or transaction, asdescribed herein.

At operation 1002, the payment processing component 126 can receive froma computing device of a merchant (e.g., the merchant computing device114), a request to process payment of a transaction between the merchantand a customer. In at least one example, as described above, the POSapplication 112 can send a request to complete a transaction to thepayment processing server(s) 104. In at least one example, the merchantcan provide an input via a cart building user interface presented by thePOS application 112 to indicate that the transaction is complete (and toinitiate a payment flow). In such an example, the POS application 112can send the request to complete the transaction to the paymentprocessing component 126.

At operation 1004, the payment processing component 126 can access atleast one of customer data 132 and/or merchant data 134, from the datastore(s) 130 and/or transaction data associated with the transaction. Inat least one example, the transaction can be associated with a customer.In some examples, the customer can be identified and/or associated withthe transaction based at least in part on causing the customer computingdevice 110 to interact with a transaction-specific transaction codeand/or receiving the transaction code at the customer computing device110. In some examples, the customer can be identified and/or associatedwith the transaction based at least in part on comparing transactiondata associated with the transaction with context data associated withan interaction between the customer computing device 110 and atransaction code, as described above with reference to FIG. 5. In atleast one example, based at least in part on the transaction beingassociated with the customer, the payment processing component 126 canaccess a portion of the customer data 132 that corresponds to thecustomer, if such data is available.

In some examples, at least a portion of the customer data can beprovided by the P2P server(s) 102 to the payment processing component126. In some examples, such customer data can be data indicative ofinteractions and/or transactions of the customer using the P2P paymentplatform. In some examples, such customer data can be one or moreindications of risk as determined by the P2P processing component 116.In some examples, such customer data can be provided by the P2Pserver(s) 102 based on process 1100 described below in the context ofFIG. 11. In at least one example, a level of risk determined by afirst-party P2P payment platform can be more credible or more heavilyweighted in a risk analysis than a level of risk determined by athird-party P2P payment platform.

In some examples, the transaction can be associated with a merchant.That is, the request can be associated with an indication of themerchant such that the transaction is associated with the merchant. Inat least one example, the payment processing component 126 can access aportion of the merchant data 134 associated with the merchant. In someexamples, some merchant data can be provided by the P2P server(s) 102.In at least one example, the P2P processing component 116 can providesuch merchant data based at least in part on the process 1100 describedbelow in the context of FIG. 11.

At operation 1006, the payment processing component 126 can determine alevel of risk associated with at least one of the customer, themerchant, or the transaction. In at least one example, the paymentprocessing component 126 can determine a level of risk associated withthe customer, the merchant, and/or the transaction using one or morerisk models. In some examples, the level of risk can be based at leastin part on the customer data 132, the merchant data 134, and/or thetransaction data. In other examples, the level of risk can be determinedby the payment processing component 126 without having accessed thecustomer data 132, the merchant data 134, and/or the transaction data,as illustrated by the dashed line from operation 1002 to operation 1006.In at least one example, the risk analysis can consider one or morefactors that can be indicative of risk (e.g., chargeback, fraud, etc.).

At operation 1008, the payment processing component 126 can determinewhether the level of risk meets or exceeds a threshold. In at least oneexample, the payment processing component 126, can analyze the level ofrisk and compare the level of risk with a threshold.

At operation 1010, based at least in part on determining that the levelof risk does not meet or exceed the threshold, the payment processingcomponent 126 can send, to server(s) associated with a P2P paymentplatform (e.g., the P2P server(s) 102), an authorization request toauthorize the payment. That is, so long as the level of risk is belowthe threshold, the payment processing component 126 can send anauthorization request to the P2P server(s) 102.

At operation 1012, based at least in part on determining that the levelof risk associated with the customer meets or exceeds the threshold, thepayment processing component 126 can refrain from processing thepayment. That is, if the level of risk is at or above the threshold, thepayment processing component 126 can determine that processing paymentfor the transaction is too risky and can refrain from sending anauthorization request to the P2P server(s) 102.

FIG. 11 illustrates an example process 1100 for determining whether apayment for a transaction is authorized based at least in part on alevel of risk associated with a customer, merchant, and/or transaction,as described herein.

At operation 1102, the P2P processing component 116 can receive, atserver(s) of a P2P payment platform (e.g., the P2P server(s) 102), anauthorization request associated with a payment of a transaction betweena merchant and a customer. In at least one example, the paymentprocessing component 126 can send the authorization request to the P2Pprocessing component 116. In some examples, the payment processingcomponent 126 can send the authorization request after having performeda risk analysis, as described above with reference to FIG. 10. That is,in some examples, the authorization request can be associated with alevel of risk determined by the payment processing component 126. Insome examples, the payment processing component 126 can send theauthorization request responsive to receiving a request to complete atransaction (e.g., as a “pass through” without having first determined alevel of risk associated with the customer or merchant).

At operation 1104, the P2P processing component 116 can access user data122, from the data store(s) 120, associated with the customer and/or themerchant (e.g., who can be “users” of the P2P payment platform) and/ortransaction data associated with the transaction. In at least oneexample, the transaction can be associated with a customer. In someexamples, the customer can be identified and/or associated with thetransaction based at least in part on causing the customer computingdevice 110 to interact with a transaction-specific transaction codeand/or receiving the transaction code at the customer computing device110. In some examples, the customer can be identified and/or associatedwith the transaction based at least in part on comparing transactiondata associated with the transaction with context data associated withan interaction between the customer computing device 110 and atransaction code, as described above with reference to FIG. 5. In atleast one example, based at least in part on the transaction beingassociated with the customer, the payment processing component 126 canassociate an indication of the customer with the authorization requestsuch that the P2P processing component 116 can access a portion of theuser data 122 associated therewith from the data store(s) 120. In someexamples, the authorization request can further be associated with anindication of the merchant, which can be another “user” of the P2Ppayment platform. In such examples, the P2P processing component 116 canaccess a portion of the user data 122 that corresponds to the merchant.In at least one example, the authorization request can additionally beassociated with transaction data associated with the transaction.

At operation 1106, the P2P processing component 116 can determine alevel of risk associated with at least one of the customer, themerchant, or the transaction. In at least one example, the P2Pprocessing component 116 can determine a level of risk associated withthe customer using one or more risk models. In some examples, the levelof risk can be based at least in part on the user data 122. In otherexamples, the level of risk can be determined by the P2P processingcomponent 116 without having accessed the user data 122, as illustratedby the dashed line from operation 1102 to operation 1106. In someexamples, the level of risk can be determined based at least in part ondata associated with the authorization request received from the paymentprocessing component 126 (which, in some examples, can include anindication of a risk analysis performed by the payment processingcomponent 126). In at least one example, the risk analysis can considerone or more factors that can be indicative of risk (e.g., chargeback,fraud, etc.).

At operation 1108, the P2P processing component 116 can determinewhether the level of risk meets or exceeds a threshold. In at least oneexample, the P2P processing component 116, can analyze the level of riskand compare the level of risk with a threshold.

At operation 1110, based at least in part on determining that the levelof risk does not meet or exceed the threshold, the P2P processingcomponent 116 can determine whether the payment is authorized. That is,so long as the level of risk is below the threshold, the P2P processingcomponent 116 can determine whether a stored balance associated with thecustomer is greater than or equal to an amount of the transaction. Ifthe stored balance is greater than or equal to the amount of thetransaction, the P2P processing component 116 can determine that thepayment is authorized, as described above. In some examples, the P2Pprocessing component 116 can send an indication of the level of riskdetermined for the customer to the payment processing server(s) 104.

At operation 1112, based at least in part on determining that the levelof risk associated with the customer meets or exceeds the threshold, theP2P processing component 116 can refrain from determining whether toauthorize the payment. That is, if the level of risk is at or above thethreshold, the P2P processing component 116 can determine thatprocessing payment for the transaction is too risky and can refrain fromdetermining whether the payment is authorized. In some examples, the P2Pprocessing component 116 can send an indication of such to the paymentprocessing server(s) 102.

In at least one example, as described above, a transaction code can bepresented via a user interface presented by the POS application 112 inassociation with a cart building user interface (e.g., as describedabove with reference to FIG. 6A) or in association with any userinterface associated with a transaction, which can be presented prior toa payment selection user interface. In some examples, if the POSapplication 112 has not received an indication that the customer hascaused an interaction between the customer computing device 110 and thetransaction code prior to when the payment selection user interface isto be presented, the transaction code can be presented in associationwith a payment selection user interface, as illustrated in FIG. 12A.

FIG. 12A illustrates an example GUI 1200 that can be presented via themerchant computing device 114. In at least one example, the merchant caninteract with a user interface, such as a cart building user interface,to indicate a completion of a transaction and to initiate a payment flowassociated with processing payment for the transaction. In at least oneexample, based at least in part on receiving such an indication, the POSapplication 112 can present a payment selection user interface, such asthe GUI 1200. In at least one example, the GUI 1200 can present userinterface element(s) 1102 associated with transaction data of thetransaction. In some examples, the user interface element(s) 1202 canindicate item(s) to be purchased in the transaction, a total amount ofthe transaction, and/or the like. In at least one example, the GUI 1200can include selectable controls to enable the customer to indicate apayment type for payment of the transaction. In at least one example,the customer and/or the merchant can interact with the GUI 1200 toindicate a payment type for payment of the transaction. For instance,the customer and/or the merchant can select the control 1204 to indicatethat the customer intends to use credit for payment of the transaction,control 1206 to indicate that the customer intends to use debit forpayment of the transaction, control 1208 to indicate that the customerintends to use another payment type (e.g., cash, check, etc.) forpayment of the transaction.

In at least one example, the GUI 1200 can include a transaction code,such as the QR code 1210. In at least one example, based at least inpart on the customer causing an interaction between the customercomputing device 110 and the transaction code, such as the QR code 1210,the mobile payment application 108 can send an indication of such aninteraction to the P2P processing component 116 which can forward anindication of the interaction to the payment processing component 126(e.g., via the P2P API 142), as described above. Based at least in parton the payment processing component 126 receiving the indication of theinteraction between the customer computing device 110 and thetransaction code, such as the QR code 1210, the payment processingcomponent 126 can cause at least a portion of transaction dataassociated with the transaction to be presented via a user interface ofthe customer computing device 110. That is, in at least one example, themobile payment application 108 can receive transaction data via the P2Pprocessing component 116 from the payment processing component 126. Insuch an example, the mobile payment application 108 can cause thetransaction data, or a portion thereof, to be presented via a userinterface, such as a payment user interface, a tipping user interface,and/or a feedback user interface. The GUI 1212, as illustrated in FIG.12B, is an example of a user interface wherein a customer can input atip, confirm the payment (e.g., via an interaction with a selectablecontrol 1214), and/or provide feedback associated with the transaction(e.g., via an interaction with user interface element(s) 1216).

In some examples, based at least in part on the customer inputting anamount for a tip, the P2P processing component 116 can transfer fundsfrom the stored balance of the customer to the payment processingserver(s) 104 based on the previous authorization (e.g., for the totalamount of the transaction). In some examples, the previous authorizationcan be valid for a designated period of time such that a change to thetotal amount (e.g., via a refund, tip, etc.) can be authorized via theprevious authorization. In some examples, a second authorization andsettlement may need to be processed to cause funds associated with thetip to be transferred from the stored balance of the customer to thepayment processing server(s) 104. In such examples, communicationsillustrated in FIGS. 2A and/or 2B, for example, can be performed toobtain the subsequent authorization. In such an example, anotherwebhook, similar to the webhook 248 described above with reference toFIG. 2B, can be utilized to process the transfer of funds associatedwith the tip.

In some examples, a customer can use a first payment type (e.g., acredit card or debit card) to satisfy payment for at least a portion ofa total cost of a transaction. The customer may desire to use funds fromtheir P2P payment platform stored balance for a remaining portion of thetotal cost of the transaction or a tip. In such an example, techniquesdescribed herein can be applicable to obtaining authorization to accessfunds to satisfy the remaining portion of the total cost of thetransaction and/or a tip. That is, in such examples, communicationsillustrated in FIG. 2B, for example, can be performed to obtain theauthorization for the remaining portion of the total cost of thetransaction and/or a tip. In some examples, a transaction code asdescribed herein can be associated with a receipt (e.g., paper orelectronic) or a user interface that informs the customer that thetransaction is complete.

Techniques described herein can additionally be applicable to processingrefunds. In such an example, a transaction code can be generated which,upon detecting an interaction therewith, can cause communications asillustrated above with reference to FIG. 2B to be performed so that thepayment processing component 126 can transfer funds, equal to the refundand/or otherwise based at least in part on the refund, from the storedbalance of the merchant associated with the payment processing platformto the stored balance of the customer associated with the P2P paymentplatform.

FIG. 13 illustrates another example process 1300, illustrated as a swimlane diagram, for processing payment for a transaction using amulti-function transaction code (e.g., an “aggregate” transaction code),as described herein. Components of the example environment 100 (e.g.,the customer computing device 110, the P2P server(s) 102, the paymentprocessing server(s) 104, and the merchant computing device 114) arerepresented by vertical lines. In at least one example, horizontal linesshown as originating from or terminating at a line corresponding to aparticular component can represent communications sent from or receivedby the particular component. Additional details are provided below.

In at least one example, the POS application 112 can generatetransaction data associated with a transaction between a merchant and acustomer. In at least one example, the POS application 112 can send thetransaction data (e.g., via a transaction data communication 1302) tothe payment processing server(s) 104. In some examples, the paymentprocessing component 126 can receive the transaction data from the POSapplication 112. In some examples, the payment processing component 126can store the transaction data (e.g., in a data structure associatedwith the transaction). In some examples, based at least in part onreceiving the transaction data, the payment processing component 126,can send a request 1304 for a transaction code to the P2P server(s) 102.In at least one example, the P2P processing component 116 can receivethe request 1304 and can generate a transaction code based at least inpart on the transaction data received from the payment processingcomponent 126. Additional details associated with the transaction dataand request 1304 are described above with reference to FIG. 2A (e.g.,the transaction data communication 202 and the request 204).

In at least one example, the P2P processing component 116 can send thetransaction code to the payment processing server(s) 104 (e.g., via atransaction code communication 1306). That is, the payment processingcomponent 126 can receive the transaction code from the P2P server(s)102. Additional details associated with the P2P processing component 116generating and sending the transaction code, via the P2P API 142, to thepayment processing server(s) 104 is described above with reference toFIGS. 2A and 2B. In at least one example, the payment processingserver(s) 104 can receive transaction codes from one or more other P2Ppayment platforms or service providers and/or data to be encoded in atransaction code. In such an example, the payment processing component126 can generate a multi-function transaction code, as represented bythe encircled number one, and described in more detail below withreference to FIG. 13. In at least one example, the payment processingcomponent 126 can send the multi-function transaction code to themerchant computing device 114 (e.g., via a multi-function transactioncode communication 1308). In some examples, the multi-functiontransaction code can include a resource locator associated with thepayment processing platform.

In at least one example the POS application 112 can receive themulti-function transaction code and can cause the multi-functiontransaction code to be presented via a user interface. In at least oneexample, the multi-function transaction code can be presented via cartbuilding user interface presented by the POS application 112. That is,the multi-function transaction code can be presented via the userinterface while the merchant is adding one or more items to a virtualcart associated with the transaction. In some examples, the cardbuilding user interface can be presented prior to a payment selectionuser interface being presented. That is, in some examples, themulti-function transaction code can be presented prior to a paymentselection user interface presented by the POS application 112. In anadditional or alternative example, the multi-function transaction codecan be presented in association with a payment selection user interfacepresented by the POS application 112. In some examples, themulti-function transaction code can be presented via a user interfaceassociated with the POS application 112, for example with a completedtransaction user interface or the like.

In at least one example, the customer can cause an interaction betweenthe customer computing device 110 and the multi-function transactioncode. In some examples, the customer can utilize the sensor(s) 140associated with the customer computing device 110 to capture an image orobtain data associated with the multi-function transaction code. Forinstance, if the multi-function transaction code is a QR code, a cameraassociated with the customer computing device 110 can capture an imageof the QR code. In an example where the multi-function transaction codecomprises an RFID tag, a NFC reader device can read data associated withthe RFID tag via an interaction between the customer computing device110 and the RFID tag (e.g., by bringing the customer computing device110 within a threshold distance of the RFID tag such that the NFC readercan read the data associated therewith). In some examples, the sensorused to capture the image or otherwise obtain data associated with themulti-function transaction code can be native to the customer computingdevice. In some examples, the sensor used can be integrated into themobile payment application 108.

In at least one example, based at least in part on detecting aninteraction between the customer computing device 110 and themulti-function transaction code, the customer computing device 110 cansend the indication 1310 of the multi-function transaction code to thepayment processing server(s) 104. In some examples, the paymentprocessing component 126 can compare context data associated with theindication with transaction data associated with the transaction toassociate the customer with the transaction, as represented by theencircled number two, and described in more detail in FIG. 5, above. Inat least one example, the payment processing server(s) 104 can receivethe indication 1310 and, because the transaction code is amulti-function transaction code, the payment processing component 126can send a request 1312 to the customer computing device 110 to selectone of the P2P payment platforms or other service providers associatedwith the multi-function transaction code. Based at least in part onreceiving the request 1312, the customer computing device 110 can causea user interface to be presented to enable the customer to provide aninput indicating a selection of a P2P payment platform or other serviceprovider. In some examples, such a user interface can be presented viaan instant application, a progressive web application, a web browser,the mobile payment application 108 or another application installed onthe customer computing device 110 that is associated with the paymentprocessing platform, or the like. Additional details are described belowwith reference to FIGS. 15, 16A, and 16B.

In at least one example, based at least in part on detecting an inputassociated with a selection of a P2P payment platform or other serviceprovider, the customer computing device 110 can send an indication 1314of the selection to the payment processing server(s) 104. In at leastone example, the payment processing component 126 can send theindication 1314 of the selection to the merchant computing device 114.That is, in at least one example, the payment processing component 126can send the indication 1314 to the POS application 112. In at least oneexample, in response to receiving the indication, the POS application112, can terminate the presentation of the multi-function transactioncode via the user interface of the merchant computing device 114.

In at least one example, based at least in part on receiving theindication 1314 of the selection, the payment processing component 126can send at least a portion of the transaction data to the customercomputing device 110 (e.g., via a transaction data communication 1316).That is, in at least one example the payment processing component 126,can send at least a portion of the transaction data to the paymentprocessing component 126. In at least one example the P2P processingcomponent 116 can send the portion of the transaction data to the mobilepayment application 108 for presentation via a user interface associatedtherewith. In at least one example, when the portion of transaction datais sent in association with cart building, indications of one or moreitems added to a virtual cart of the customer can be presented via cartbuilding user interface presented by the mobile payment application 108.In some examples, the cart building user interface can be updated innear-real time, such that as an item is added to a virtual cart via thePOS application 112, an indication of the item can be presented via acart building interface presented by the mobile payment application 108.

In some examples, as the P2P processing component 116 receivestransaction data, the P2P processing component 116 can analyze thetransaction data to determine whether an incentive applies. Such aprocess, illustrated by the encircle number three, is described in moredetail above with reference to FIG. 7.

In at least one example, the POS application 112 can send a request 1318to complete the transaction to the payment processing server(s) 104. Inat least one example, the merchant can provide an input via a cartbuilding user interface presented by the POS application 112 to indicatethat the transaction is complete. In such an example, the POSapplication 112 can send the request to complete the transaction to thepayment processing component 126. In at least one example, the paymentprocessing component 126 can perform a risk analysis to determinewhether to proceed with processing payment for the transaction, asillustrated by the encircled number four, and can process payment forthe transaction using the selected P2P payment. Additional detailsassociated with risk analyses are described above with reference toFIGS. 10 and 11.

In at least one example, so long as a level of risk determined to beassociated with the customer, merchant, and/or transaction is below athreshold, the payment processing component 126 can communicate, via oneor more communications 1320, with the P2P server(s) 102 to processpayment for the transaction. If the customer selects a different serviceprovider for processing payment for the transaction, the paymentprocessing component 136 can exchange communications with the selectedservice provider to process payment for the transaction.

In at least one example, based at least in part on receiving anindication that the payment was successful (e.g., from the P2P server(s)102 or otherwise), the payment processing component 126 can send anotification 1322 that the transaction is complete to the POSapplication 112 and/or can send a notification 1324 that the transactionis complete to the mobile payment application 108, via the P2P server(s)102. In at least one example, the POS application 112 can present a userinterface indicating that the transaction is complete. In at least oneexample, the mobile payment application 108 can present a user interfaceindicating that the transaction is complete. In some examples, themobile payment application 108 can present a user interface to enablethe customer to provide a gratuity (e.g., a tipping user interface),loyalty information, feedback, and/or the like. Additional details areprovided herein.

In FIG. 13, the multi-function transaction code can point back to thepayment processing server(s) 104, which can prompt the customer toselect a P2P payment option. However, in an alternative example, themulti-function transaction code can point to the P2P server(s) 102, asdescribed above with reference to FIGS. 2A and 2B. In such an example,the P2P processing component 116 can prompt the customer to select a P2Ppayment option and, if the customer selects a P2P payment optiondifferent than the P2P payment platform, the P2P processing component116 can prompt the customer to download the mobile payment application108 and onboard and/or transfer data to the P2P payment platform.

FIG. 14 illustrates an example process 1400 associated with causing amulti-function transaction code to be presented in association with atransaction, as described herein.

At operation 1402, the payment processing component 126 can receive, inassociation with the transaction between a customer and a merchant, atransaction code associated with a P2P payment platform. As describedabove, in at least one example, the P2P processing component 116 cansend a transaction code to the payment processing server(s) 104. In suchan example, the payment processing component 126 can receive thetransaction code from the P2P server(s) 102. In at least one example,the transaction code can be received responsive to a request for atransaction code sent by the payment processing component 126. In someexamples, the request can be associated with transaction data, such thatthe transaction code is specific to the transaction. In such examples,the transaction code can be dynamic. In some examples, the transactioncode can be a static transaction code that can be provided to thepayment processing server(s) 104 prior to the transaction, inassociation with the transaction, or the like. In some such examples,the static transaction code can be used with multiple transactions.

At operation 1404, the payment processing component 126 can determinewhether there are other P2P payment platforms (or service providers) tobe integrated into a multi-function transaction code. In at least oneexample, the payment processing component 126 can receive, from multipleP2P payment platforms or service providers that can be used forprocessing payments for transactions, data to be encoded into atransaction code. In some examples, the P2P payment platforms areassociated with different service providers (e.g., third-party P2Ppayment platforms). In some examples, the other service providers can bethird-party service providers.

At operation 1406, based at least in part on determining that there areother P2P payment platforms (or service providers) to be integrated intoa multi-function transaction code, the payment processing component 126can generate a multi-function transaction code and can cause themulti-function transaction code to be presented via user interface of acomputing device of the merchant (e.g., the merchant computing device114), as illustrated at operation 1408. In at least one example, themulti-function transaction code can be encoded with data associated withmultiple, different P2P payment platforms and/or service providers. Insome examples, data associated with the multi-function transaction codecan be mapped to, or otherwise associated with, a table, which indicatesthe multiple P2P payment platforms and/or service providers that areassociated with the multi-function transaction code. Like thetransaction code, the multi-function transaction code can be a QR code,a barcode, unique identifier, or the like.

At operation 1410, based at least in part on determining that there areno other P2P payment platforms (or service providers) to be integratedinto a multi-function transaction code, the payment processing component126 can cause the transaction code to be presented via a user interfaceof a computing device of the merchant (e.g., the merchant computingdevice 114), as described above.

FIG. 15 illustrates an example process 1500 for processing payment for atransaction based at least in part on a selection of a peer-to-peer(P2P) payment platform, as described herein.

At operation 1502, the payment processing component 126 can receive,from a computing device of a customer (e.g., the customer computingdevice 110) and in association with the transaction between the customerand a merchant, an indication of an interaction between the computingdevice (e.g., the customer computing device 110) and the transactioncode associated with a P2P payment platform. As described above, in atleast one example, a customer can cause an interaction between thecustomer computing device 110 and a transaction code that can bepresented at a point of sale, for example, via the merchant computingdevice 115 or otherwise. In some examples, one of the sensor(s) 150associated with the customer computing device 110 can scan, capture,read, or otherwise obtain data associated with the transaction code viaan interaction therewith and the customer computing device 110 can sendan indication of the interaction between the customer computing device110 and the transaction code to the payment processing server(s) 104.The payment processing component 126 can receive the indication.

At operation 1504, the payment processing component 126 can determinewhether the transaction code is a multi-function transaction codeassociated with multiple P2P payment platforms. In at least one example,the payment processing component 126 can determine that the transactioncode associated with the interaction is a multi-function transactioncode. That is, the payment processing component 126 can perform alook-up or other search to determine that the transaction code isassociated with multiple P2P payment platforms (or service providers).

At operation 1506, based at least in part on determining that thetransaction code is a multi-function transaction code, the paymentprocessing component 126 can send to the computing device of thecustomer (e.g., the customer computing device 110), a request to selectone of the multiple P2P payment platforms to process payment for thetransaction. In at least one example, the customer computing device 110can present a user interface, based at least in part on receiving therequest, that includes one or more selectable controls with which thecustomer can interact to select one of the P2P payment platforms (orother service providers). An example of such a user interface isprovided below. In some examples, such a user interface can be presentedvia an instant application, a progressive web application, a webbrowser, the mobile payment application 108 or another applicationassociated with the payment processing platform, or the like.

At operation 1508, the payment processing component 126 can receive anindication of a selection. In at least one example, the customer caninteract with the user interface to provide an input indicating aselection of one of the multiple P2P payment platforms (or other serviceproviders). The customer computing device 110 can send an indication ofthe selection to the payment processing component 126. The paymentprocessing component 126 can therefore process payment for thetransaction using the selected P2P payment platform, as illustrated atoperation 1510. That is, the payment processing component 126 can sendone or more communications (e.g., an authorization request, a settlementrequest, etc.) to the selected P2P payment platform to process paymentfor the transaction.

At operation 1512, based at least in part on determining that thetransaction code is not a multi-function transaction code, the paymentprocessing component 126 can process payment for the transaction via theP2P payment platform. That is, the payment processing component 126 cansend one or more communications (e.g., an authorization request, asettlement request, etc.) to the P2P payment platform associated withthe transaction code to process payment for the transaction.

FIG. 16A illustrates an example GUI that can be presented via themerchant computing device 114. FIG. 16A illustrates an example GUI 1600that can be presented via the merchant computing device 114. In at leastone example, the POS application 112 can present a payment selectionuser interface that includes user interface element(s) representingpayment option(s) for remitting payment for a transaction between amerchant and a customer (e.g., credit, debit, other). In at least oneexample, the GUI 1600 can include a transaction code, such as a QR code1602, that can be associated with at least one P2P payment platform. Asdescribed above, in at least one example, the transaction code caninclude a resource locator associated with a location of the P2P paymentplatform and/or a deep link to the mobile payment application 108. Insome examples, as described above, the transaction code can be amulti-function transaction code that can be associated with multiple,different P2P payment platforms or other service providers. In at leastone example, the customer computing device 110 can interact with thetransaction code, for example, using the sensor(s) 140 associatedtherewith. For instance, a camera can capture an image of the QR code1602.

In some examples, each different P2P payment platform and/or serviceprovider can alternatively be associated with their own transaction code(e.g., instead of the GUI 1600 presenting a multi-function transactioncode).

FIG. 16B illustrates an example GUI 1604 that can be presented via thecustomer computing device 110. In at least one example, based at leastin part on determining that the transaction code is a multi-functiontransaction code, the payment processing component 126 can send to thecustomer computing device 110, a request to select one of the multipleP2P payment platforms to process payment for the transaction. In atleast one example, the customer computing device 110 can present a userinterface, such as the GUI 1604, based at least in part on receiving therequest, that includes one or more selectable controls with which thecustomer can interact to select one of the P2P payment platforms (orother service providers). Four selectable controls are shown: selectablecontrol 1606, selectable control 1608, selectable control 1610, andselectable control 1612. Based at least in part on detecting anactuation of one of the selectable controls (1606-1610), the customercomputing device 110 can send an indication of the selection to thepayment processing component 126, as described above. In some examples,the GUI 1604 can be presented via an instant application, a progressiveweb application, a web browser, the mobile payment application 108 oranother application associated with the payment processing platform, orthe like.

FIG. 17 illustrates an example process 1700 including additional detailsassociated with the example process for processing payment for atransaction based at least in part on a selection of a P2P paymentplatform, as described herein.

At operation 1702, the payment processing component 126 can receive,from a computing device of a merchant (e.g., the merchant computingdevice 114), a request to complete a transaction between a customer andthe merchant. In at least one example, the POS application 112 can senda request to complete a transaction to the payment processing server(s)104. In at least one example, the merchant can provide an input via acart building user interface presented by the POS application 112 toindicate that the transaction is complete. In such an example, the POSapplication 112 can send the request to complete the transaction to thepayment processing component 126. In at least one example, as describedabove, the payment processing component 126 can perform a risk analysisto determine whether to proceed with processing payment for thetransaction. Additional details are described above with reference toFIG. 10.

At operation 1704, the payment processing component 126 can receive anindication of a P2P payment platform selected for payment of thetransaction. As described above with reference to FIG. 14, the paymentprocessing component 126 can receive an indication of a P2P paymentplatform selected for payment of the transaction. In examples where atransaction code is a multi-functional transaction code, the customercan interact with a user interface to select a P2P payment platform forprocessing payment of the transaction. In examples where a transactioncode is not multi-functional (e.g., associated with a single P2P paymentprovider), an interaction between the customer computing device 110 andthe transaction code can indicate a selection of the corresponding P2Ppayment platform.

At operation 1706, the payment processing component 126 can send anauthorization request to server(s) associated with the selected P2Ppayment platform. In at least one example, the payment processingcomponent 126 can send an authorization request, via the P2Pcommunication component 128, to the P2P server(s) 102. In at least oneexample, the P2P processing component 117 can receive the authorizationrequest via the payment processing communication component 118 and candetermine whether to approve or deny the authorization request based atleast in part on transaction data received from the payment processingplatform and/or a stored balance of the customer managed and/ormaintained by the P2P payment platform. In least one example, if thestored balance associated with the customer is greater than, or equalto, the total cost of the transaction, the payment processing component126 can send an authorization approval (i.e., a response to theauthorization request) to the payment processing component 126, via thepayment processing communication component 118 and the P2P communicationcomponent 128. In some examples, the stored balance associated with thecustomer may be less than the total cost of the transaction. In at leastone example, the P2P processing component 117 can authorize at least aportion of the cost of the transaction. In such an example, the P2Pprocessing component 117 can send an authorization approval for at leastthe portion of the total cost of the transaction to the paymentprocessing server(s) 104.

At operation 1708, the payment processing component 126 can determinewhether the payment is authorized. In at least one example, the paymentprocessing component 126 can receive a response to the authorizationrequest. If the response indicates that the transaction is authorized,the payment processing component 126 can determine that the payment isauthorized. If the response indicates that the transaction is notauthorized, the payment processing component 126 can determine that thepayment is not authorized.

At operation 1710, based at least in part on determining that thepayment is authorized, the payment processing component 126 can send asettlement request to the server(s) associated with the selected P2Ppayment platform (e.g., the P2P server(s) 102). In at least one example,based at least in part on receiving the authorization approval from theP2P server(s) 102, the payment processing component 126 can send asettlement request to the P2P server(s) 102, via the P2P communicationcomponent 128. In at least one example, based at least in part onreceiving the settlement request from the payment processing server(s)104, the P2P processing component 117 can access funds associated withthe stored balance of the customer. The P2P processing component 117 cantransfer the funds from the P2P payment platform to the paymentprocessing platform. That is, the P2P server(s) 102 can transfer funds,equal to at least a portion of the total cost of the transaction, fromthe stored balance of the customer to the payment processing server(s)104 for associating with a stored balance of the merchant. In such anexample, the payment processing component 126 can receive the funds, anddeposit at least a portion of the funds into a stored balance of themerchant managed and/or maintained by the payment processing platform,as illustrated at operation 1714. As described above, in some examples,the payment processing component 126 can deposit the funds, or at leasta portion thereof, into the stored balance of the merchant prior toreceiving the funds from the P2P server(s) 102. That is, the P2Pserver(s) 102 can transfer the funds to the payment processing server(s)104, at which time, the payment processing component 126 can “repay” thepayment processing platform for the funds paid to the merchant.

At operation 1716, the payment processing component 126 can deny thepayment via the selected P2P payment platform. In at least one example,if the payment is not authorized, the payment processing component 126can send an indication that the payment is denied to the customercomputing device 110 and/or the merchant computing device 114. In suchan example, the customer can select another option for payment.

FIG. 18 illustrates an example environment 1800. The environment 1800includes server computing device(s) 1802 that can communicate overnetwork(s) 1804 with user devices 1806 (which, in some examples can bemerchant devices 1808 (individually, 1808(A)-1808(N))) and/or servercomputing device(s) 1810 associated with third-party serviceprovider(s). The server computing device(s) 1802 can be associated witha service provider 1812 that can provide one or more services for thebenefit of users 1814, as described below. Actions attributed to theservice provider 1812 can be performed by the server computing device(s)1802.

In at least one example, such as when the P2P payment platform and thepayment processing platform are associated with a same service provider(e.g., the service provider 1812), the server computing device(s) 1802can correspond to the P2P server(s) 102 and/or the payment processingserver(s) 104 described above with reference to FIG. 1. In an examplewhere the P2P payment platform and the payment processing platform arenot associated with a same service provider, either the P2P server(s)102 or the payment processing server(s) 104 can be associated with theserver computing device(s) 1810 associated with third-party serviceprovider(s). In at least one example, the network(s) 1804 can correspondwith the network(s) 106 of FIG. 1.

The environment 1800 can include a plurality of user devices 1806, asdescribed above. The individual of the user devices 1806 can correspondwith the customer computing device 110 or the merchant computing device114, as described above. Each one of the plurality of user devices 1806can be any type of computing device such as a tablet computing device, asmart phone or mobile communication device, a laptop, a netbook or otherportable computer or semi-portable computer, a desktop computing device,a terminal computing device or other semi-stationary or stationarycomputing device, a dedicated device, a wearable computing device orother body-mounted computing device, an augmented reality device, avirtual reality device, an Internet of Things (IoT) device, etc. In someexamples, individual ones of the user devices can be operable by users1814. The users 1814 can be referred to as customers, buyers, merchants,sellers, borrowers, employees, employers, payors, payees, couriers andso on. The users 1814 can interact with the user devices 1806 via userinterfaces presented via the user devices 1806. In at least one example,a user interface can be presented via a web browser, or the like. Inother examples, a user interface can be presented via an application,such as a mobile application or desktop application, which can beprovided by the service provider 1812 or which can be an otherwisededicated application. In some examples, individual of the user devices1806 can have an instance or versioned instance of an application, whichcan be downloaded from an application store, for example, which canpresent the user interface(s) described herein. Examples of such anapplication include the mobile payment application 108, the POSapplication 112, or the like. In at least one example, a user 1814 caninteract with the user interface via touch input, spoken input, or anyother type of input.

As described above, in at least one example, the users 1814 can includemerchants 1816 (individually, 1816(A)-1816(N)). In an example, themerchants 1816 can operate respective merchant devices 1808, which canbe user devices 1806 configured for use by merchants 1816. For thepurpose of this discussion, a “merchant” can be any entity that offersitems (e.g., goods or services) for purchase or other means ofacquisition (e.g., rent, borrow, barter, etc.). The merchants 1816 canoffer items for purchase or other means of acquisition viabrick-and-mortar stores, mobile stores (e.g., pop-up shops, food trucks,etc.), online stores, combinations of the foregoing, and so forth. Insome examples, at least some of the merchants 1816 can be associatedwith a same entity but can have different merchant locations and/or canhave franchise/franchisee relationships. In additional or alternativeexamples, the merchants 1816 can be different merchants. That is, in atleast one example, the merchant 1816(A) is a different merchant than themerchant 1816(B) and/or the merchant 1816(C).

For the purpose of this discussion, “different merchants” can refer totwo or more unrelated merchants. “Different merchants” therefore canrefer to two or more merchants that are different legal entities (e.g.,natural persons and/or corporate persons) that do not share accounting,employees, branding, etc. “Different merchants,” as used herein, havedifferent names, employer identification numbers (EIN)s, lines ofbusiness (in some examples), inventories (or at least portions thereof),and/or the like. Thus, the use of the term “different merchants” doesnot refer to a merchant with various merchant locations orfranchise/franchisee relationships. Such merchants—with various merchantlocations or franchise/franchisee relationships—can be referred to asmerchants having different merchant locations and/or different commercechannels.

Each merchant device 1808 can have an instance of a POS application 1818stored thereon. The POS application 1818 can correspond to the POSapplication 112 described above with reference to FIG. 1. The POSapplication 1818 can configure the merchant device 1808 as a POSterminal, which enables the merchant 1816(A) to interact with one ormore customers 1820. As described above, the users 1814 can includecustomers, such as the customers 1820 shown as interacting with themerchant 1816(A). For the purpose of this discussion, a “customer” canbe any entity that acquires items from merchants. While only twocustomers 1820 are illustrated in FIG. 18, any number of customers 1820can interact with the merchants 1816. Further, while FIG. 18 illustratesthe customers 1820 interacting with the merchant 1816(A), the customers1820 can interact with any of the merchants 1816.

In at least one example, interactions between the customers 1820 and themerchants 1816 that involve the exchange of funds (from the customers1820) for items (from the merchants 1816) can be referred to as“transactions.” In at least one example, the POS application 1818 candetermine transaction data associated with the POS transactions.Transaction data can include payment information, which can be obtainedfrom a reader device 1822 associated with the merchant device 1808(A),user authentication data, purchase amount information, point-of-purchaseinformation (e.g., item(s) purchased, date of purchase, time ofpurchase, etc.), etc. The POS application 1818 can send transaction datato the server computing device(s) 1802. Furthermore, the POS application1818 can present a UI to enable the merchant 1816(A) to interact withthe POS application 1818 and/or the service provider 1812 via the POSapplication 1818.

In at least one example, the merchant device 1808(A) can be aspecial-purpose computing device configured as a POS terminal (via theexecution of the POS application 1818). In at least one example, the POSterminal may be connected to a reader device 1822, which is capable ofaccepting a variety of payment instruments, such as credit cards, debitcards, gift cards, short-range communication based payment instruments,and the like, as described below. In at least one example, the readerdevice 1822 can plug in to a port in the merchant device 1808(A), suchas a microphone port, a headphone port, an audio-jack, a data port, orother suitable port. In additional or alternative examples, the readerdevice 1822 can be coupled to the merchant device 1808(A) via anotherwired or wireless connection, such as via a Bluetooth®, BLE, and so on.Additional details are described below with reference to FIG. 18. Insome examples, the reader device 1822 can read information fromalternative payment instruments including, but not limited to,wristbands and the like.

In some examples, the reader device 1822 may physically interact withpayment instruments such as magnetic stripe payment cards, EM paymentcards, and/or short-range communication (e.g., near field communication(NFC), radio frequency identification (RFID), Bluetooth®, Bluetooth® lowenergy (BLE), etc.) payment instruments (e.g., cards or devicesconfigured for tapping). The POS terminal may provide a rich userinterface, communicate with the reader device 1822, and communicate withthe server computing device(s) 1802, which can provide, among otherservices, a payment processing platform. The server computing device(s)1802 associated with the service provider 1812 can communicate withserver computing device(s) 1810, as described below. In this manner, thePOS terminal and reader device 1822 may collectively processtransaction(s) between the merchants 1816 (e.g., merchant1816(A)-1816(N)) and customers 1820 (e.g., customer 1820(A)-1820(N)). Insome examples, POS terminals and reader devices can be configured inone-to-one pairings. In other examples, the POS terminals and readerdevices can be configured in many-to-one pairings (e.g., one POSterminal coupled to multiple reader devices or multiple POS terminalscoupled to one reader device). In some examples, there could be multiplePOS terminal(s) connected to a number of other devices, such as“secondary” terminals, e.g., back-of-the-house systems, printers,line-buster devices, POS readers, and the like, to allow for informationfrom the secondary terminal to be shared between the primary POSterminal(s) and secondary terminal(s), for example via short-rangecommunication technology. This kind of arrangement may also work in anoffline-online scenario to allow one device (e.g., secondary terminal)to continue taking user input, and synchronize data with another device(e.g., primary terminal) when the primary or secondary terminal switchesto online mode. In other examples, such data synchronization may happenperiodically or at randomly selected time intervals.

While, the POS terminal and the reader device 1822 of the POS system1824 are shown as separate devices, in additional or alternativeexamples, the POS terminal and the reader device 1822 can be part of asingle device. In some examples, the reader device 1822 can have adisplay integrated therein for presenting information to the customers1820. In additional or alternative examples, the POS terminal can have adisplay integrated therein for presenting information to the customers1820. POS systems, such as the POS system 1824, may be mobile, such thatPOS terminals and reader devices may process transactions in disparatelocations across the world. POS systems can be used for processingcard-present transactions and card-not-present (CNP) transactions, asdescribed below.

A card-present transaction is a transaction where both a customer 1820and his or her payment instrument are physically present at the time ofthe transaction. Card-present transactions may be processed by swipes,dips, taps, or any other interaction between a physical paymentinstrument (e.g., a card), or otherwise present payment instrument, anda reader device 1822 whereby the reader device 1822 is able to obtainpayment data from the payment instrument. A swipe is a card-presenttransaction where a customer 1820(A) slides a card, or other paymentinstrument, having a magnetic strip through a reader device 1822 thatcaptures payment data contained in the magnetic strip. A dip is acard-present transaction where a customer 1820(A) inserts a paymentinstrument having an embedded microchip (i.e., chip) into a readerdevice 1822 first. The dipped payment instrument remains in the paymentreader until the reader device 1822 prompts the customer 1820(A) toremove the card, or other payment instrument. While the paymentinstrument is in the reader device 1822, the microchip can create aone-time code which is sent from the POS system 1824 to the servercomputing device(s) 1810 (which can be associated with third-partyservice providers that provide payment services, including but notlimited to, an acquirer bank, an issuer, and/or a card payment network(e.g., Mastercard®, VISA®, etc.)) to be matched with an identicalone-time code. A tap is a card-present transaction where a customer 1820may tap or hover his or her payment instrument (e.g., card, electronicdevice such as a smart phone running a payment application, etc.) over areader device 1822 to complete a transaction via short-rangecommunication (e.g., NFC, RFID, Bluetooth®, BLE, etc.). Short-rangecommunication enables the payment instrument to exchange informationwith the reader device 1822. A tap may also be called a contactlesspayment.

A CNP transaction is a transaction where a card, or other paymentinstrument, is not physically present at the POS such that payment datais required to be manually keyed in (e.g., by a merchant, customer,etc.), or payment data is required to be recalled from a card-on-filedata store, to complete the transaction.

In at least one example, a customer 1820(A) can interact with one of theuser devices 1806 (e.g., a customer device 1826). In at least oneexample, the customer device 1826 can have an instance of a mobilepayment application 1828 installed thereon. The mobile paymentapplication 1828 can correspond to the mobile payment application 108described above with reference to FIG. 1. In at least one example, themobile payment application 1828 can present one or more user interfacesto enable the customer 1820(A) to send and/or receive funds via a P2Ppayment platform, as described above. In some examples, as describedabove, the mobile payment application 108 can exchange communicationswith the merchant device 1808(A) and/or the server computing device(s)1802 to process contactless payments. That is, in at least one example,the mobile payment application 1828 can enable the customer toparticipate in a P2P transaction with the merchant via the P2P paymentplatform and payment processing platform described herein.

The POS system 1824, the server computing device(s) 1802, and/or theserver computing device(s) 1810 may exchange payment information andtransaction data to determine whether transactions are authorized. Forexample, the POS system 1824 may provide encrypted payment data, userauthentication data, purchase amount information, point-of-purchaseinformation, etc. (collectively, transaction data) to server computingdevice(s) 1802 over the network(s) 1804. The server computing device(s)1802 may send some of the transaction data, as described above andotherwise described herein, to the server computing device(s) 1810. Asdescribed above, in at least one example, the server computing device(s)1810 can be associated with third-party service providers that providepayment services, including but not limited to, an acquirer bank, anissuer, and/or a card payment network (e.g., Mastercard®, VISA®, etc.)

For the purpose of this discussion, the “payment service providers” canbe acquiring banks (“acquirer”), issuing banks (“issuer”), card paymentnetworks, and the like. In an example, an acquirer is a bank orfinancial institution that processes payments (e.g., credit or debitcard payments) and can assume risk on behalf of merchants(s). Anacquirer can be a registered member of a card association (e.g., Visa®,MasterCard®), and can be part of a card payment network. The acquirer(e.g., the server computing device(s) 1810 associated therewith) cansend a fund transfer request to a server computing device of a cardpayment network (e.g., Mastercard®, VISA®, etc.) to determine whetherthe transaction is authorized or deficient. In at least one example, theservice provider 1812 can serve as an acquirer and connect directly withthe card payment network.

The card payment network (e.g., the server computing device(s) 1810associated therewith) can forward the fund transfer request to anissuing bank (e.g., “issuer”). The issuer is a bank or financialinstitution that offers a financial account (e.g., credit or debit cardaccount) to a user. An issuer can issue payment cards to users and canpay acquirers for purchases made by cardholders to which the issuingbank has issued a payment card. The issuer (e.g., the server computingdevice(s) 1810 associated therewith) can make a determination as towhether the customer has the capacity to absorb the relevant chargeassociated with the payment transaction. In at least one example, theservice provider 1812 can serve as an issuer and/or can partner with anissuer. The transaction is either approved or rejected by the issuerand/or the card payment network (e.g., the server computing device(s)1810 associated therewith), and a payment authorization message iscommunicated from the issuer to the POS device via a path opposite ofthat described above, or via an alternate path.

As described above, the server computing device(s) 1810, which can beassociated with payment service provider(s), may determine whether thetransaction is authorized based on the transaction data, as well asinformation relating to parties to the transaction (e.g., the customer1820 and/or the merchant 1816(A)). The server computing device(s) 1810may send an authorization notification over the network(s) 1804 to theserver computing device(s) 1802, which may send the authorizationnotification to the POS system 1824 over the network(s) 1804 to indicatewhether the transaction is authorized. The server computing device(s)1802 may also transmit additional information such as transactionidentifiers to the POS system 1824. In one example, the server computingdevice(s) 1802 may include a merchant application and/or otherfunctional components for communicating with the POS system 1824 and/orthe server computing device(s) 1810 to authorize or declinetransactions.

Based on the authorization notification that is received by the POSsystem 1824 from server computing device(s) 1802, the merchant 1816(A)may indicate to the customer 1820 whether the transaction has beenapproved. In some examples, approval may be indicated at the POS system1824, for example, at a display of the POS system 1824. In otherexamples, such as with a smart phone or watch operating as a short-rangecommunication payment instrument, information about the approvedtransaction may be provided to the short-range communication paymentinstrument for presentation via a display of the smart phone or watch.In some examples, additional or alternative information can additionallybe presented with the approved transaction notification including, butnot limited to, receipts, special offers, coupons, or loyalty programinformation.

As mentioned above, the service provider 1812 can provide, among otherservices, payment processing platforms, inventory management services,catalog management services, business banking services, financingservices, lending services, reservation management services,web-development services, payroll services, employee managementservices, appointment services, loyalty tracking services, restaurantmanagement services, order management services, fulfillment services,peer-to-peer payment services, onboarding services, identityverification (IDV) services, and so on. In some examples, the users 1814can access all of the services of the service provider 1812. In otherexamples, the users 1814 can have gradated access to the services, whichcan be based on risk tolerance, IDV outputs, subscriptions, and so on.In at least one example, access to such services can be availed to themerchants 1816 via the POS application 1818. In additional oralternative examples, each service can be associated with its own accesspoint (e.g., application, web browser, etc.).

The service provider 1812 can offer payment processing platforms forprocessing payments on behalf of the merchants 1816, as described above.For example, the service provider 1812 can provision payment processingsoftware, payment processing hardware and/or payment processingplatforms to merchants 1816, as described above, to enable the merchants1816 to receive payments from the customers 1820 when conducting POStransactions with the customers 1820. For instance, the service provider1812 can enable the merchants 1816 to receive cash payments, paymentcard payments, and/or electronic payments from customers 1820 for POStransactions and the service provider 1812 can process transactions onbehalf of the merchants 1816.

As the service provider 1812 processes transactions on behalf of themerchants 1816, the service provider 1812 can maintain accounts orbalances for the merchants 1816 in one or more ledgers. For example, theservice provider 1812 can analyze transaction data received for atransaction to determine an amount of funds owed to a merchant 1816(A)for the transaction. In at least one example, such an amount can be atotal purchase price less fees charged by the service provider 1812 forproviding the payment processing platforms. Based on determining theamount of funds owed to the merchant 1816(A), the service provider 1812can deposit funds into an account of the merchant 1816(A). The accountcan have a stored balance, which can be managed by the service provider1812. The account can be different from a conventional bank account atleast because the stored balance is managed by a ledger of the serviceprovider 1812 and the associated funds are accessible via variouswithdrawal channels including, but not limited to, scheduled deposit,same-day deposit, instant deposit, and a linked payment instrument.

A scheduled deposit can occur when the service provider 1812 transfersfunds associated with a stored balance of the merchant 1816(A) to a bankaccount of the merchant 1816(A) that is held at a bank or otherfinancial institution (e.g., associated with the server computingdevice(s) 1810). Scheduled deposits can occur at a prearranged timeafter a POS transaction is funded, which can be a business day after thePOS transaction occurred, or sooner or later. In some examples, themerchant 1816(A) can access funds prior to a scheduled deposit. Forinstance, the merchant 1816(A) may have access to same-day deposits(e.g., wherein the service provider 1812 deposits funds from the storedbalance to a linked bank account of the merchant on a same day as POStransaction, in some examples prior to the POS transaction being funded)or instant deposits (e.g., wherein the service provider 1812 depositsfunds from the stored balance to a linked bank account of the merchanton demand, such as responsive to a request). Further, in at least oneexample, the merchant 1816(A) can have a payment instrument that islinked to the stored balance that enables the merchant to access thefunds without first transferring the funds from the account managed bythe service provider 1812 to the bank account of the merchant 1816(A).

In at least one example, the service provider 1812 may provide inventorymanagement services. That is, the service provider 1812 may provideinventory tracking and reporting. Inventory management services mayenable the merchant 1816(A) to access and manage a database storing dataassociated with a quantity of each item that the merchant 1816(A) hasavailable (i.e., an inventory). Furthermore, in at least one example,the service provider 1812 can provide catalog management services toenable the merchant 1816(A) to maintain a catalog, which can be adatabase storing data associated with items that the merchant 1816(A)has available for acquisition (i.e., catalog management services). In atleast one example, the catalog may include a plurality of data items anda data item of the plurality of data items may represent an item thatthe merchant 1861(A) has available for acquisition. The service provider1812 can offer recommendations related to pricing of the items,placement of items on the catalog, and multi-party fulfilment of theinventory.

In at least one example, the service provider 1812 can provide businessbanking services, which allow the merchant 1816(A) to track deposits(from payment processing and/or other sources of funds) into an accountof the merchant 1816(A), payroll payments from the account (e.g.,payments to employees of the merchant 1816(A)), payments to othermerchants (e.g., business-to-business) directly from the account or froma linked debit card, withdrawals made via scheduled deposit and/orinstant deposit, etc. Furthermore, the business banking services canenable the merchant 1816(A) to obtain a customized payment instrument(e.g., credit card), check how much money they are earning (e.g., viapresentation of available earned balance), understand where their moneyis going (e.g., via deposit reports (which can include a breakdown offees), spend reports, etc.), access/use earned money (e.g., viascheduled deposit, instant deposit, linked payment instrument, etc.),feel in control of their money (e.g., via management of depositschedule, deposit speed, linked instruments, etc.), etc. Moreover, thebusiness banking services can enable the merchants 1816 to visualizetheir cash flow to track their financial health, set aside money forupcoming obligations (e.g., savings), organize money around goals, etc.

In at least one example, the service provider 1812 can provide financingservices and products, such as via business loans, consumer loans, fixedterm loans, flexible term loans, and the like. In at least one example,the service provider 1812 can utilize one or more risk signals todetermine whether to extend financing offers and/or terms associatedwith such financing offers.

In at least one example, the service provider 1812 can provide financingservices for offering and/or lending a loan to a borrower that is to beused for, in some instances, financing the borrower's short-termoperational needs (e.g., a capital loan). For instance, a potentialborrower that is a merchant can obtain a capital loan via a capital loanproduct in order to finance various operational costs (e.g., rent,payroll, inventory, etc.). In at least one example, the service provider1812 can offer different types of capital loan products. For instance,in at least one example, the service provider 1812 can offer a dailyrepayment loan product, wherein a capital loan is repaid daily, forinstance, from a portion of transactions processed by the paymentprocessing platform on behalf of the borrower. Additionally and/oralternatively, the service provider 1812 can offer a monthly repaymentloan product, wherein a capital loan is repaid monthly, for instance,via a debit from a bank account linked to the payment processingplatform. The credit risk of the merchant may be evaluated using riskmodels that take into account factors, such as payment volume, creditrisk of similarly situated merchants, past transaction history,seasonality, credit history, and so on.

Additionally or alternatively, the service provider 1812 can providefinancing services for offering and/or lending a loan to a borrower thatis to be used for, in some instances, financing the borrower's consumerpurchase (e.g., a consumer loan). In at least one example, a borrowercan submit a request for a loan to enable the borrower to purchase anitem from a merchant, which can be one of the merchants 1816. Theservice provider 1812 can generate the loan based at least in part ondetermining that the borrower purchased or intends to purchase the itemfrom the merchant. The loan can be associated with a balance based on anactual purchase price of the item and the borrower can repay the loanover time. In some examples, the borrower can repay the loan viainstallments, which can be paid via funds managed and/or maintained bythe service provider 1812 (e.g., from payments owed to the merchant frompayments processed on behalf of the merchant, funds transferred to themerchant, etc.). The service provider 1812 can offer specific financialproducts, such as payment instruments, tied specifically to the loanproducts. For example, in one implementation, the service provider 1812associates capital to a merchant or customer's debit card, where the useof the debit card is defined by the terms of the loan. In some examples,the merchant may only use the debit card for making specific purchases.In other examples, the “installment” associated with the loan product iscredited directly via the payment instrument. The payment instrument isthus customized to the loan and/or the parties associated with the loan.

The service provider 1812 can provide web-development services, whichenable users 1814 who are unfamiliar with HTML, XML, Javascript, CSS, orother web design tools to create and maintain professional andaesthetically pleasing websites. Some of these web page editingapplications allow users to build a web page and/or modify a web page(e.g., change, add, or remove content associated with a web page).Further, in addition to websites, the web-development services cancreate and maintain other online omni-channel presences, such as socialmedia posts for example. In some examples, the resulting web page(s)and/or other content items can be used for offering item(s) for sale viaan online/e-commerce platform. That is, the resulting web page(s) and/orother content items can be associated with an online store or offeringby the one or more of the merchants 1816. In at least one example, theservice provider 1812 can recommend and/or generate content items tosupplement omni-channel presences of the merchants 1816. That is, if amerchant of the merchants 1816 has a web page, the service provider1812—via the web-development or other services—can recommend and/orgenerate additional content items to be presented via other channel(s),such as social media, email, etc.

Furthermore, the service provider 1812 can provide payroll services toenable employers to pay employees for work performed on behalf ofemployers. In at least one example, the service provider 1812 canreceive data that includes time worked by an employee (e.g., throughimported timecards and/or POS interactions), sales made by the employee,gratuities received by the employee, and so forth. Based on such data,the service provider 1812 can make payroll payments to employee(s) onbehalf of an employer via the payroll service. For instance, the serviceprovider 1812 can facilitate the transfer of a total amount to be paidout for the payroll of an employee from the bank of the employer to thebank of the service provider 1812 to be used to make payroll payments.In at least one example, when the funds have been received at the bankof the service provider 1812, the service provider 1812 can pay theemployee, such as by check or direct deposit, often a day, a week, ormore after when the work was actually performed by the employee. Inadditional or alternative examples, the service provider 1812 can enableemployee(s) to receive payments via same-day or instant deposit based atleast in part on risk and/or reliability analyses performed by theservice provider 1812.

Moreover, in at least one example, the service provider 1812 can provideemployee management services for managing schedules of employees.Further, the service provider 1812 can provide appointment services forenabling users 1814 to set schedules for scheduling appointments and/orusers 1814 to schedule appointments.

In some examples, the service provider 1812 can provide restaurantmanagement services to enable users 1814 to make and/or managereservations, to monitor front-of-house and/or back-of-house operations,and so on. In such examples, the merchant device(s) 1808 and/or servercomputing device(s) 1802 can be configured to communicate with one ormore other computing devices, which can be located in the front-of-house(e.g., POS device(s)) and/or back-of-house (e.g., kitchen displaysystem(s) (KDS)). In at least one example, the service provider 1812 canprovide order management services and/or fulfillment services to enablerestaurants to manage open tickets, split tickets, and so on and/ormanage fulfillment services. In some examples, such services can beassociated with restaurant merchants, as described above. In additionalor alternative examples, such services can be any type of merchant.

In at least one example, the service provider 1812 can providefulfilment services, which can use couriers for delivery, whereincouriers can travel between multiple locations to provide deliveryservices, photography services, etc. Couriers can be users 1814 who cantravel between locations to perform services for a requesting user 1814(e.g., deliver items, capture images, etc.). In some examples, thecourier can receive compensation from the service provider 1812. Thecourier can employ one or more vehicles, such as automobiles, bicycles,scooters, motorcycles, buses, airplanes, helicopters, boats,skateboards, etc. Although, in other instances the courier can travel byfoot or otherwise without a vehicle. Some examples discussed hereinenable people to participate as couriers in a type of crowdsourcedservice economy. Here, essentially any person with a mobile device isable to immediately become a courier, or cease to be a courier, in acourier network that provides services as described herein. In at leastone example, the couriers can be unmanned aerial vehicles (e.g.,drones), autonomous vehicles, or any other type of vehicle capable ofreceiving instructions for traveling between locations. In someexamples, the service provider 1812 can receive requests for courierservices, automatically assign the requests to active couriers, andcommunicate dispatch instructions to couriers via user interface (e.g.,application, web browser, or other access point) presented viarespective devices 1806.

In some examples, the service provider 1812 can provide omni-channelfulfillment services. For instance, if a customer places an order with amerchant and the merchant cannot fulfill the order because one or moreitems are out of stock or otherwise unavailable, the service provider1812 can leverage other merchants and/or sales channels that are part ofthe platform of the service provider 1812 to fulfill the customer'sorder. That is, another merchant can provide the one or more items tofulfill the order of the customer. Furthermore, in some examples,another sales channel (e.g., online, brick-and-mortar, etc.) can be usedto fulfill the order of the customer.

In some examples, the service provider 1812 can enable conversationalcommerce via conversational commerce services, which can use one or moremachine learning mechanisms to analyze messages exchanged between two ormore users 1814, voice inputs into a virtual assistant or the like, todetermine intents of user(s) 1814. In some examples, the serviceprovider 1812 can utilize determined intents to automate customerservice, offer promotions, provide recommendations, or otherwiseinteract with customers in real-time. In at least one example, theservice provider 1812 can integrate products and services, and paymentmechanisms into a communication platform (e.g., messaging, etc.) toenable customers to make purchases, or otherwise transact, withouthaving to call, email, or visit a web page or other channel of amerchant. That is, conversational commerce alleviates the need forcustomers to toggle back and forth between conversations and web pagesto gather information and make purchases.

In at least one example, the service provider 1812 (e.g., the servercomputing device(s) 1802) can provide a P2P payment service, via a P2Ppayment platform as described herein, that enables P2P payments betweentwo or more users 1814. In at least one example, the service provider1812 can communicate with instances of a payment application (or otheraccess points) installed on devices 1806 configured for operation byusers, such as the customers 1820(A)-1820(N). An example of such apayment application is the mobile payment application 1828 describedabove, which can be installed on a customer computing device 1826. In anexample, an instance of the payment application executing on a firstdevice operated by a payor can send a request to the service provider1812 to transfer an amount of funds (e.g., fiat currency or non-fiatcurrency such as cryptocurrency, securities, and related assets) from anaccount of the payor to an account of a payee (e.g., a P2P payment). Inat least one example, the customer 1820(A) can be a payor and/or a payee(i.e., a user) and the payment processing platform described herein canbe a payor and/or a payee on behalf of one or more merchants. Theservice provider 1812 can facilitate the transfer and can send anotification to an instance of the payment application executing on asecond mobile device operated by the payee that the transfer is inprocess (or has been completed). In some examples, the service provider1812 can send additional or alternative information to the instances ofthe payment application (e.g., low balance to the payor, current balanceto the payor or the payee, etc.). In some implementations, the payorand/or payee can be identified automatically, e.g., based on context,proximity, prior transaction history, and so on. In other examples, thepayee can send a request for funds to the payor prior to the payorinitiating the transfer of funds. The funds transferred can beassociated with any digital currency type, including, but not limitedto, cash, cryptocurrency, etc. In some embodiments, the service provider1812 funds the request to payee on behalf of the payor, to speed up thetransfer process and compensate for any lags that may be attributed topayor's financial network.

In some implementations, the service provider 1812 can trigger the P2Ppayment process through identification of a “payment proxy” having aparticular syntax. For example, the syntax includes a monetary currencyindicator prefixing one or more alphanumeric characters (e.g., $Cash).The currency indicator operates as the tagging mechanism that indicatesto a computer system to treat the inputs as a request from the sender totransfer cash, where detection of the syntax (which includes one or morealphanumeric characters tagged by a monetary currency indicator)triggers a transfer of cash. The currency indicator can correspond tovarious currencies including but not limited to, dollar ($), euro (€),pound (£), rupee (

), yuan (¥), etc. Although use of the dollar currency indicator ($) isused herein, it is to be understood that any currency symbol couldequally be used. The P2P process can be initiated through a particularapplication executing on the user devices 1806 (e.g., the mobile paymentapplication 1828).

In some embodiments, the P2P process can be implemented within a forumcontext. The term “forum,” as used here, refers to a content provider'smedia channel (e.g., a social networking platform, a microblog, a blog,video sharing platform, a music sharing platform, etc.) that enablesuser interaction and engagement through comments, posts, messages onelectronic bulletin boards, messages on a social networking platform,and/or any other types of messages. The forum can be employed by acontent provider to enable users of the forum to interact with oneanother, (e.g., through creating messages, posting comments, etc.). Insome embodiments, “forum” may also refer to an application or webpage ofan e-commerce or retail organization that offers products and/orservices. Such websites can provide an online “form” to complete beforeor after the products or services are added to a virtual cart. Theonline form may include one or more fields to receive user interactionand engagement. Examples include name and other identification of theuser, shipping address of the user, etc. Some of these fields may beconfigured to receive payment information, such as a payment proxy, inlieu of other kinds of payment mechanisms, such as credit cards, debitcards, prepaid cards, gift cards, virtual wallets, etc.

In some embodiments, the P2P process can be implemented within acommunication application context, such as a messaging applicationcontext. The term “messaging application,” as used here, refers to anymessaging application that enables communication between users (e.g.,sender and recipient of a message) over a wired or wirelesscommunications network, through use of a communication message. Themessaging application can be employed by the service provider 1812. Forinstance, the service provider 1812 can offer messaging services thatprovides a communication service to users via a messaging application(e.g., chat or messaging capability). The messaging application caninclude, for example, a text messaging application for communicationbetween phones (e.g., conventional mobile telephones or smartphones), ora cross-platform instant messaging application for smartphones andphones that use the Internet for communication. The messagingapplication can be executed on a user device 1806 (e.g., mobile deviceor conventional personal computer (PC)) based on instructionstransmitted to and from the server computing device(s) 1802 (which, insuch an example can be called a “messaging server”). In some instances,the messaging application can include a payment application withmessaging capability that enables users of the payment application tocommunicate with one another. In such instances, the payment applicationcan be executed on the user device 1806 based on instructionstransmitted to and from the server computing device(s) 1802 (e.g., thepayment service discussed in this description or another payment servicethat supports payment transactions).

In at least some embodiments, the P2P process can be implemented withina landing page context. The term “landing page,” as used here, refers toa virtual location identified by a personalized location address that isdedicated to collect payments on behalf of a recipient associated withthe personalized location address. The personalized location addressthat identifies the landing page can include a payment proxy discussedabove. The service provider 1812 can generate the landing page to enablethe recipient to conveniently receive one or more payments from one ormore senders. In some embodiments, the personalized location addressidentifying the landing page is a uniform resource locator (URL) thatincorporates the payment proxy. In such embodiments, the landing page isa web page, e.g., www.cash.me/$Cash.

In at least one example, a user 1820(A) may be new to the serviceprovider 1812 such that the user 1820(A) that has not registered (e.g.,subscribed to receive access to one or more services offered by theservice provider) with the service provider 1812. The service provider1812 can offer onboarding services for registering a potential user1820(A) with the service provider 1812. In some examples, onboarding caninvolve presenting various questions, prompts, and the like to apotential user 1820(A) to obtain information that can be used togenerate a profile for the potential user 1820(A). In at least oneexample, the service provider 1812 can provide limited or short-termaccess to its services prior to, or during, onboarding (e.g., a user ofa peer-to-peer payment service can transfer and/or receive funds priorto being fully onboarded, a merchant can process payments prior to beingfully onboarded, etc.). In at least one example, responsive to thepotential user 1820(A) providing all necessary information, thepotential user 1820(A) can be onboarded to the service provider 1812. Insuch an example, any limited or short-term access to services of theservice provider 1812 can be transitioned to more permissive (e.g., lesslimited) or longer-term access to such services.

The service provider 1812 can be associated with IDV services, which canbe used by the service provider 1812 for compliance purposes and/or canbe offered as a service, for instance to third-party service providers(e.g., associated with the server computing device(s) 1810). That is,the service provider 1812 can offer IDV services to verify the identityof users 1814 seeking to use or using their services. Identityverification requires a customer (or potential customer) to provideinformation that is used by compliance departments to prove that theinformation is associated with an identity of a real person or entity.In at least one example, the service provider 1812 can perform servicesfor determining whether identifying information provided by a user 1814accurately identifies the customer (or potential customer) (i.e., Is thecustomer who they say they are?).

The service provider 1812 is capable of providing additional oralternative services and the services described above are offered as asampling of services. In at least one example, the service provider 1812can exchange data with the server computing device(s) 1810 associatedwith third-party service providers. Such third-party service providerscan provide information that enables the service provider 1812 toprovide services, such as those described above. In additional oralternative examples, such third-party service providers can accessservices of the service provider 1812. That is, in some examples, thethird-party service providers can be subscribers, or otherwise access,services of the service provider 1812.

Techniques described herein can be configured to operate in bothreal-time/online and offline modes. “Online” modes refer to modes whendevices are capable of communicating with the service provider 1812(e.g., the server computing device(s) 1802) and/or the server computingdevice(s) 1810 via the network(s) 1804. In some examples, the merchantdevice(s) 1808 are not capable of connecting with the service provider1812 (e.g., the server computing device(s) 1802) and/or the servercomputing device(s) 1810, due to a network connectivity issue, forexample. In additional or alternative examples, the server computingdevice(s) 1802 are not capable of communicating with the servercomputing device(s) 1810 due to network connectivity issue, for example.In such examples, devices may operate in “offline” mode where at leastsome payment data is stored (e.g., on the merchant device(s) 1808)and/or the server computing device(s) 1802 until connectivity isrestored and the payment data can be transmitted to the server computingdevice(s) 1802 and/or the server computing device(s) 1810 forprocessing.

In at least one example, the service provider 1812 can be associatedwith a hub, such as an order hub, an inventory hub, a fulfillment huband so on, which can enable integration with one or more additionalservice providers (e.g., associated with the additional server computingdevice(s) 1810). In some examples, such additional service providers canoffer additional or alternative services and the service provider 1812can provide an interface or other computer-readable instructions tointegrate functionality of the service provider 1812 into the one ormore additional service providers.

Techniques described herein are directed to services provided via adistributed system of user devices 1806 that are in communication withone or more server computing devices 1802 of the service provider 1812.That is, techniques described herein are directed to a specificimplementation—or, a practical application—of utilizing a distributedsystem of user devices 1806 that are in communication with one or moreserver computing devices 1802 of the service provider 1812 to perform avariety of services, as described above. The unconventionalconfiguration of the distributed system described herein enables theserver computing device(s) 1802 that are remotely-located from end-users(e.g., users 1814) to intelligently offer services based on aggregateddata associated with the end-users, such as the users 1814 (e.g., dataassociated with multiple, different merchants and/or multiple, differentbuyers), in some examples, in near-real time. Accordingly, techniquesdescribed herein are directed to a particular arrangement of elementsthat offer technical improvements over conventional techniques forperforming payment processing platforms and the like. For small businessowners in particular, the business environment is typically fragmentedand relies on unrelated tools and programs, making it difficult for anowner to manually consolidate and view such data. The techniquesdescribed herein constantly or periodically monitor disparate anddistinct merchant accounts, e.g., accounts within the control of theservice provider 1812, and those outside of the control of the serviceprovider 1812, to track the business standing (payables, receivables,payroll, invoices, appointments, capital, etc.) of the merchants. Thetechniques herein provide a consolidated view of a merchant's cash flow,predict needs, preemptively offer recommendations or services, such ascapital, coupons, etc., and/or enable money movement between disparateaccounts (merchant's, another merchant's, or even payment service's) ina frictionless and transparent manner.

As described herein, artificial intelligence, machine learning, and thelike can be used to dynamically make determinations, recommendations,and the like, thereby adding intelligence and context-awareness to anotherwise one-size-fits-all scheme for providing payment processingplatforms and/or additional or alternative services described herein. Insome implementations, the distributed system is capable of applying theintelligence derived from an existing user base to a new user, therebymaking the onboarding experience for the new user personalized andfrictionless when compared to traditional onboarding methods. Thus,techniques described herein improve existing technological processes.

As described above, various graphical user interfaces (GUIs) can bepresented to facilitate techniques described herein. Some of thetechniques described herein are directed to user interface featurespresented via GUIs to improve interaction between users 1814 and userdevices 1806. Furthermore, such features are changed dynamically basedon the profiles of the users involved interacting with the GUIs. Assuch, techniques described herein are directed to improvements tocomputing systems.

FIG. 19 depicts an illustrative block diagram illustrating a system 1900for performing techniques described herein. The system 1900 includes auser device 1902, that communicates with server computingdevice(s)(e.g., server(s) 1904) via network(s) 1906 (e.g., the Internet,cable network(s), cellular network(s), cloud network(s), wirelessnetwork(s) (e.g., Wi-Fi) and wired network(s), as well as close-rangecommunications such as Bluetooth®, Bluetooth® low energy (BLE), and thelike). While a single user device 1902 is illustrated, in additional oralternate examples, the system 1900 can have multiple user devices, asdescribed above with reference to FIG. 17.

In at least one example, the customer computing device 110 of FIG. 1 cancorrespond to the user device 1902. In at least one example, themerchant computing device 114 of FIG. 1 can correspond to the userdevice 1902. In at least one example, the P2P server(s) 102 and/or thepayment processing server(s) 104 can correspond to the server(s) 1904.In at least one example, the network(s) 106 can correspond to thenetwork(s) 1906.

In at least one example, the user device 1902 can be any suitable typeof computing device, e.g., portable, semi-portable, semi-stationary, orstationary. Some examples of the user device 1902 can include, but arenot limited to, a tablet computing device, a smart phone or mobilecommunication device, a laptop, a netbook or other portable computer orsemi-portable computer, a desktop computing device, a terminal computingdevice or other semi-stationary or stationary computing device, adedicated device, a wearable computing device or other body-mountedcomputing device, an augmented reality device, a virtual reality device,an Internet of Things (IoT) device, etc. That is, the user device 1902can be any computing device capable of sending communications andperforming the functions according to the techniques described herein.The user device 1902 can include devices, e.g., payment card readers, orcomponents capable of accepting payments, as described below.

In the illustrated example, the user device 1902 includes one or moreprocessors 1908, one or more computer-readable media 1910, one or morecommunication interface(s) 1912, one or more input/output (I/O) devices1914, a display 1916, and sensor(s) 1918.

In at least one example, each processor 1908 can itself comprise one ormore processors or processing cores. For example, the processor(s) 1908can be implemented as one or more microprocessors, microcomputers,microcontrollers, digital signal processors, central processing units,state machines, logic circuitries, and/or any devices that manipulatesignals based on operational instructions. In some examples, theprocessor(s) 1908 can be one or more hardware processors and/or logiccircuits of any suitable type specifically programmed or configured toexecute the algorithms and processes described herein. The processor(s)1908 can be configured to fetch and execute computer-readableprocessor-executable instructions stored in the computer-readable media1910.

Depending on the configuration of the user device 1902, thecomputer-readable media 1910 can be an example of tangiblenon-transitory computer storage media and can include volatile andnonvolatile memory and/or removable and non-removable media implementedin any type of technology for storage of information such ascomputer-readable processor-executable instructions, data structures,program modules or other data. The computer-readable media 1910 caninclude, but is not limited to, RAM, ROM, EEPROM, flash memory,solid-state storage, magnetic disk storage, optical storage, and/orother computer-readable media technology. Further, in some examples, theuser device 1902 can access external storage, such as RAID storagesystems, storage arrays, network attached storage, storage areanetworks, cloud storage, or any other medium that can be used to storeinformation and that can be accessed by the processor(s) 1908 directlyor through another computing device or network. Accordingly, thecomputer-readable media 1910 can be computer storage media able to storeinstructions, modules or components that can be executed by theprocessor(s) 1908. Further, when mentioned, non-transitorycomputer-readable media exclude media such as energy, carrier signals,electromagnetic waves, and signals per se.

The computer-readable media 1910 can be used to store and maintain anynumber of functional components that are executable by the processor(s)1908. In some implementations, these functional components compriseinstructions or programs that are executable by the processor(s) 1908and that, when executed, implement operational logic for performing theactions and services attributed above to the user device 1902.Functional components stored in the computer-readable media 1910 caninclude a user interface 1920 to enable users to interact with the userdevice 1902, and thus the server(s) 1904 and/or other networked devices.In at least one example, the user interface 1920 can be presented via aweb browser, or the like. In other examples, the user interface 1920 canbe presented via an application, such as a mobile application or desktopapplication, which can be provided by a service provider 1812 associatedwith the server(s) 1904, or which can be an otherwise dedicatedapplication. For example, the user interface 1920 can be presented viathe mobile payment application 108 or the POS application 112, describedabove with reference to FIG. 1. In at least one example, a user caninteract with the user interface via touch input, spoken input, gesture,or any other type of input. The word “input” is also used to describe“contextual” input that may not be directly provided by the user via theuser interface 1920. For example, user's interactions with the userinterface 1920 are analyzed using, e.g., natural language processingtechniques, to determine context or intent of the user, which may betreated in a manner similar to “direct” user input.

Depending on the type of the user device 1902, the computer-readablemedia 1910 can also optionally include other functional components anddata, such as other modules and data 1922, which can include programs,drivers, etc., and the data used or generated by the functionalcomponents. In addition, the computer-readable media 1910 can also storedata, data structures and the like, that are used by the functionalcomponents. Further, the user device 1902 can include many otherlogical, programmatic and physical components, of which those describedare merely examples that are related to the discussion herein.

In at least one example, the computer-readable media 1910 can includeadditional functional components, such as an operating system 1924 forcontrolling and managing various functions of the user device 1902 andfor enabling basic user interactions.

The communication interface(s) 1912 can include one or more interfacesand hardware components for enabling communication with various otherdevices, such as over the network(s) 1906 or directly. For example,communication interface(s) 1912 can enable communication through one ormore network(s) 1906, which can include, but are not limited any type ofnetwork known in the art, such as a local area network or a wide areanetwork, such as the Internet, and can include a wireless network, suchas a cellular network, a cloud network, a local wireless network, suchas Wi-Fi and/or close-range wireless communications, such as Bluetooth®,BLE, NFC, RFID, a wired network, or any other such network, or anycombination thereof. Accordingly, network(s) 1906 can include both wiredand/or wireless communication technologies, including Bluetooth®, BLE,Wi-Fi and cellular communication technologies, as well as wired or fiberoptic technologies. Components used for such communications can dependat least in part upon the type of network, the environment selected, orboth. Protocols for communicating over such networks are well known andwill not be discussed herein in detail.

Embodiments of the disclosure may be provided to users through a cloudcomputing infrastructure. Cloud computing refers to the provision ofscalable computing resources as a service over a network, to enableconvenient, on-demand network access to a shared pool of configurablecomputing resources that can be rapidly provisioned and released withminimal management effort or service provider interaction. Thus, cloudcomputing allows a user to access virtual computing resources (e.g.,storage, data, applications, and even complete virtualized computingsystems) in “the cloud,” without regard for the underlying physicalsystems (or locations of those systems) used to provide the computingresources.

The user device 1902 can further include one or more input/output (I/O)devices 1914. The I/O devices 1914 can include speakers, a microphone, acamera, and various user controls (e.g., buttons, a joystick, akeyboard, a keypad, etc.), a haptic output device, and so forth. The I/Odevices 1914 can also include attachments that leverage the accessories(audio-jack, USB-C, Bluetooth, etc.) to connect with the user device1902.

In at least one example, user device 1902 can include a display 1916.Depending on the type of computing device(s) used as the user device1902, the display 1916 can employ any suitable display technology. Forexample, the display 1916 can be a liquid crystal display, a plasmadisplay, a light emitting diode display, an OLED (organic light-emittingdiode) display, an electronic paper display, or any other suitable typeof display able to present digital content thereon. In at least oneexample, the display 1916 can be an augmented reality display, avirtually reality display, or any other display able to present and/orproject digital content. In some examples, the display 1916 can have atouch sensor associated with the display 1916 to provide a touchscreendisplay configured to receive touch inputs for enabling interaction witha graphic interface presented on the display 1916. Accordingly,implementations herein are not limited to any particular displaytechnology. Alternatively, in some examples, the user device 1902 maynot include the display 1916, and information can be presented by othermeans, such as aurally, hapticly, etc.

In addition, the user device 1902 can include sensor(s) 1918. Thesensor(s) 1918 can include a GPS device able to indicate locationinformation. Further, the sensor(s) 1918 can include, but are notlimited to, an accelerometer, gyroscope, compass, proximity sensor,camera, microphone, and/or a switch. In at least one example, thesensor(s) 140 can correspond to the sensor(s) 1918 described herein.

In some example, the GPS device can be used to identify a location of auser. In at least one example, the location of the user can be used bythe service provider 1812, described above, to provide one or moreservices. That is, in some examples, the service provider 1812 canimplement geofencing to provide particular services to users. As anexample, with a lending service, location can be used to confirm that astated purpose of a loan corresponds to evidence of use (e.g., Is theuser using the loan consistent with what he or she said he or she wasgoing to use it for?). Furthermore, in some examples, location can beused for payroll purposes. As an example, if a contractor completes aproject, the contractor can provide a geo-tagged image (e.g., taggedbased on location information availed by the GPS device). In someexamples, location can be used for facilitating peer-to-peer paymentsbetween nearby users 1714 and/or for sending users 1714 notificationsregarding available appointments with merchant(s) located proximate tothe users 1714. In at least one example, location can be used for takingpayments from nearby customers when they leave a geofence, or locationcan be used to initiate an action responsive to users 1714 enter abrick-and-mortar store of a merchant. Location can be used in additionalor alternative ways as well.

Additionally, the user device 1902 can include various other componentsthat are not shown, examples of which include removable storage, a powersource, such as a battery and power control unit, a barcode scanner, aprinter, a cash drawer, and so forth.

In addition, in some examples, the user device 1902 can include, beconnectable to, or otherwise be coupled to a reader device 1926, forreading payment instruments and/or identifiers associated with paymentobjects. In some examples, as described above, the reader device 1926can plug in to a port in the user device 1902, such as a microphoneport, a headphone port, an audio-jack, a data port, or other suitableport. In additional or alternative examples, the reader device 1926 canbe coupled to the user device 1902 via another wired or wirelessconnection, such as via a Bluetooth®, BLE, and so on. The reader device1926 can include a read head for reading a magnetic strip of a paymentcard, and further can include encryption technology for encrypting theinformation read from the magnetic strip. Additionally or alternatively,the reader device 1926 can be an EMV payment reader, which in someexamples, can be embedded in the user device 1902. Moreover, numerousother types of readers can be employed with the user device 1902 herein,depending on the type and configuration of the user device 1902.

The reader device 1926 may be a portable magnetic stripe card reader,optical scanner, smartcard (card with an embedded IC chip) reader (e.g.,an EMV-compliant card reader or short-range communication-enabledreader), RFID reader, or the like, configured to detect and obtain dataoff any payment instrument. Accordingly, the reader device 1926 mayinclude hardware implementation, such as slots, magnetic tracks, andrails with one or more sensors or electrical contacts to facilitatedetection and acceptance of a payment instrument. That is, the readerdevice 1926 may include hardware implementations to enable the readerdevice 1926 to interact with a payment instrument via a swipe (i.e., acard-present transaction where a customer slides a card having amagnetic strip through a payment reader that captures payment datacontained in the magnetic strip), a dip (i.e., a card-presenttransaction where a customer inserts a card having an embedded microchip(i.e., chip) into a payment reader first until the payment readerprompts the customer to remove the card), or a tap (i.e., a card-presenttransaction where a customer may tap or hover his or her electronicdevice such as a smart phone running a payment application over apayment reader to complete a transaction via short-range communication)to obtain payment data associated with a customer. Additionally oroptionally, the reader device 1926 may also include a biometric sensorto receive and process biometric characteristics and process them aspayment instruments, given that such biometric characteristics areregistered with the payment processing platform and/or P2P paymentplatform and connected to a financial account with a bank server.

The reader device 1926 may include processing unit(s), computer-readablemedia, a reader chip, a transaction chip, a timer, a clock, a networkinterface, a power supply, and so on. The processing unit(s) of thereader device 1926 may execute one or more modules and/or processes tocause the reader device 1926 to perform a variety of functions, as setforth above and explained in further detail in the following disclosure.In some examples, the processing unit(s) may include a centralprocessing unit (CPU), a graphics processing unit (GPU), a CPU and aGPU, or processing units or components known in the art. Additionally,each of the processing unit(s) may possess its own local memory, whichalso may store program modules, program data, and/or one or moreoperating systems. Depending on the exact configuration and type of thereader device 1926, the computer-readable media may include volatilememory (such as RAM), non-volatile memory (such as ROM, flash memory,miniature hard drive, memory card, or the like), or some combinationthereof. In at least one example, the computer-readable media of thereader device 1926 may include at least one module for performingvarious functions as described herein.

The reader chip may perform functionalities to control the operationsand processing of the reader device 1926. That is, the reader chip mayperform functionalities to control payment interfaces (e.g., acontactless interface, a contact interface, etc.), a wirelesscommunication interface, a wired interface, a user interface (e.g., asignal condition device (FPGA)), etc. Additionally, the reader chip mayperform functionality to control the timer, which may provide a timersignal indicating an amount of time that has lapsed following aparticular event (e.g., an interaction, a power-down event, etc.).Moreover, the reader chip may perform functionality to control the clock196, which may provide a clock signal indicating a time. Furthermore,the reader chip may perform functionality to control the networkinterface, which may interface with the network(s) 1906, as describedbelow.

Additionally, the reader chip may perform functionality to control thepower supply. The power supply may include one or more power suppliessuch as a physical connection to AC power or a battery. Power supply mayinclude power conversion circuitry for converting AC power andgenerating a plurality of DC voltages for use by components of readerdevice 1926. When power supply includes a battery, the battery may becharged via a physical power connection, via inductive charging, or viaany other suitable method.

The transaction chip may perform functionalities relating to processingof payment transactions, interfacing with payment instruments,cryptography, and other payment-specific functionality. That is, thetransaction chip may access payment data associated with a paymentinstrument and may provide the payment data to a POS terminal, asdescribed above. The payment data may include, but is not limited to, aname of the customer, an address of the customer, a type (e.g., credit,debit, etc.) of a payment instrument, a number associated with thepayment instrument, a verification value (e.g., PIN Verification KeyIndicator (PVKI), PIN Verification Value (PVV), Card Verification Value(CVV), Card Verification Code (CVC), etc.) associated with the paymentinstrument, an expiration data associated with the payment instrument, aprimary account number (PAN) corresponding to the customer (which may ormay not match the number associated with the payment instrument),restrictions on what types of charges/debts may be made, etc.Additionally, the transaction chip may encrypt the payment data uponreceiving the payment data.

It should be understood that in some examples, the reader chip may haveits own processing unit(s) and computer-readable media and/or thetransaction chip may have its own processing unit(s) andcomputer-readable media. In other examples, the functionalities ofreader chip and transaction chip may be embodied in a single chip or aplurality of chips, each including any suitable combination ofprocessing units and computer-readable media to collectively perform thefunctionalities of reader chip and transaction chip as described herein.

While, the user device 1902, which can be a POS terminal, and the readerdevice 1926 are shown as separate devices, in additional or alternativeexamples, the user device 1902 and the reader device 1926 can be part ofa single device, which may be a battery-operated device. In such anexample, components of both the user device 1902 and the reader device1926 may be associated with the single device. In some examples, thereader device 1926 can have a display integrated therewith, which can bein addition to (or as an alternative of) the display 1916 associatedwith the user device 1902.

The server(s) 1904 can include one or more servers or other types ofcomputing devices that can be embodied in any number of ways. Forexample, in the example of a server, the modules, other functionalcomponents, and data can be implemented on a single server, a cluster ofservers, a server farm or data center, a cloud-hosted computing service,a cloud-hosted storage service, and so forth, although other computerarchitectures can additionally or alternatively be used.

Further, while the figures illustrate the components and data of theserver(s) 1904 as being present in a single location, these componentsand data can alternatively be distributed across different computingdevices and different locations in any manner. Consequently, thefunctions can be implemented by one or more server computing devices,with the various functionality described above distributed in variousways across the different computing devices. Multiple server(s) 1904 canbe located together or separately, and organized, for example, asvirtual servers, server banks and/or server farms. The describedfunctionality can be provided by the servers of a single merchant orenterprise, or can be provided by the servers and/or services ofmultiple different customers or enterprises.

In the illustrated example, the server(s) 1904 can include one or moreprocessors 1928, one or more computer-readable media 1930, one or moreI/O devices 1932, and one or more communication interfaces 1934. Eachprocessor 1928 can be a single processing unit or a number of processingunits, and can include single or multiple computing units or multipleprocessing cores. The processor(s) 1928 can be implemented as one ormore microprocessors, microcomputers, microcontrollers, digital signalprocessors, central processing units, state machines, logic circuitries,and/or any devices that manipulate signals based on operationalinstructions. For example, the processor(s) 1928 can be one or morehardware processors and/or logic circuits of any suitable typespecifically programmed or configured to execute the algorithms andprocesses described herein. The processor(s) 1928 can be configured tofetch and execute computer-readable instructions stored in thecomputer-readable media 1930, which can program the processor(s) 1928 toperform the functions described herein.

The computer-readable media 1930 can include volatile and nonvolatilememory and/or removable and non-removable media implemented in any typeof technology for storage of information, such as computer-readableinstructions, data structures, program modules, or other data. Suchcomputer-readable media 1930 can include, but is not limited to, RAM,ROM, EEPROM, flash memory or other memory technology, optical storage,solid state storage, magnetic tape, magnetic disk storage, RAID storagesystems, storage arrays, network attached storage, storage areanetworks, cloud storage, or any other medium that can be used to storethe desired information and that can be accessed by a computing device.Depending on the configuration of the server(s) 1904, thecomputer-readable media 1930 can be a type of computer-readable storagemedia and/or can be a tangible non-transitory media to the extent thatwhen mentioned, non-transitory computer-readable media exclude mediasuch as energy, carrier signals, electromagnetic waves, and signals perse.

The computer-readable media 1930 can be used to store any number offunctional components that are executable by the processor(s) 1928. Inmany implementations, these functional components comprise instructionsor programs that are executable by the processors 1928 and that, whenexecuted, specifically configure the one or more processors 1928 toperform the actions attributed above to the service provider 1812 and/orpayment processing platform. Functional components stored in thecomputer-readable media 1930 can optionally include a training component1936 and one or more other components and data 1938.

The training component 1936 can be configured to train models usingmachine-learning mechanisms. For example, a machine-learning mechanismcan analyze training data to train a data model that generates anoutput, which can be a recommendation, a score, and/or anotherindication. Machine-learning mechanisms can include, but are not limitedto supervised learning algorithms (e.g., artificial neural networks,Bayesian statistics, support vector machines, decision trees,classifiers, k-nearest neighbor, etc.), unsupervised learning algorithms(e.g., artificial neural networks, association rule learning,hierarchical clustering, cluster analysis, etc.), semi-supervisedlearning algorithms, deep learning algorithms, etc.), statisticalmodels, etc. In at least one example, machine-trained data models can bestored in a datastore associated with the user device(s) 1902 and/or theserver(s) 1904 for use at a time after the data models have been trained(e.g., at runtime).

The one or more other components and data 1938 can include the P2Pprocessing component 116, the payment processing communication component119, the payment processing component 126, and/or the P2P communicationcomponent 128, the functionality of which is described, at leastpartially, above. Further, the one or more other components and data1938 can include programs, drivers, etc., and the data used or generatedby the functional components. Further, the server(s) 1904 can includemany other logical, programmatic and physical components, of which thosedescribed above are merely examples that are related to the discussionherein.

The one or more “components” referenced herein may be implemented asmore components or as fewer components, and functions described for thecomponents may be redistributed depending on the details of theimplementation. The term “component,” as used herein, refers broadly tosoftware stored on non-transitory storage medium (e.g., volatile ornon-volatile memory for a computing device), hardware, or firmware (orany combination thereof) components. Components are typically functionalsuch that they that may generate useful data or other output usingspecified input(s). A component may or may not be self-contained. Anapplication program (also called an “application”) may include one ormore components, or a component may include one or more applicationprograms that can be accessed over a network or downloaded as softwareonto a device (e.g., executable code causing the device to perform anaction). An application program (also called an “application”) mayinclude one or more components, or a component may include one or moreapplication programs. In additional and/or alternative examples, thecomponent(s) may be implemented as computer-readable instructions,various data structures, and so forth via at least one processing unitto configure the computing device(s) described herein to executeinstructions and to perform operations as described herein.

In some examples, a component may include one or more applicationprogramming interfaces (APIs) to perform some or all of itsfunctionality (e.g., operations). In at least one example, a softwaredeveloper kit (SDK) can be provided by the service provider to allowthird-party developers to include service provider functionality and/oravail service provider services in association with their ownthird-party applications. Additionally or alternatively, in someexamples, the service provider can utilize a SDK to integratethird-party service provider functionality into its applications. Thatis, API(s) and/or SDK(s) can enable third-party developers to customizehow their respective third-party applications interact with the serviceprovider or vice versa.

The computer-readable media 1930 can additionally include an operatingsystem 1940 for controlling and managing various functions of theserver(s) 1904.

The server(s) 1904 can further be equipped with various I/O devices1932. Such I/O devices 1932 can include a display, various userinterface controls (e.g., buttons, joystick, keyboard, mouse, touchscreen, biometric or sensory input devices, etc.), audio speakers,connection ports and so forth.

The communication interface(s) 1934 can include one or more interfacesand hardware components for enabling communication with various otherdevices, such as over the network(s) 1906 or directly. For example,communication interface(s) 1934 can enable communication through one ormore network(s) 1906, which can include, but are not limited any type ofnetwork known in the art, such as a local area network or a wide areanetwork, such as the Internet, and can include a wireless network, suchas a cellular network, a local wireless network, such as Wi-Fi and/orclose-range wireless communications, such as Bluetooth®, BLE, NFC, RFID,a wired network, or any other such network, or any combination thereof.Accordingly, network(s) 1906 can include both wired and/or wirelesscommunication technologies, including Bluetooth®, BLE, Wi-Fi andcellular communication technologies, as well as wired or fiber optictechnologies. Components used for such communications can depend atleast in part upon the type of network, the environment selected, orboth. Protocols for communicating over such networks are well known andwill not be discussed herein in detail.

In at least one example, the system 1900 can include data store(s) 1942that can be configured to store data that is accessible, manageable, andupdatable. In some examples, the data store(s) 1942 can be integratedwith the user device 1902 and/or the server(s) 1904. In other examples,as shown in FIG. 19, the data store(s) 1942 can be located remotely fromthe server(s) 1904 and can be accessible to the server(s) 1904. The datastore(s) 1942 can comprise multiple databases and/or servers connectedlocally and/or remotely via the network(s) 1906.

In at least one example, the data store(s) 1942 can store user data,customer data, and/or merchant data, stored balances, etc., as describedabove. The data store(s) 120 and/or 130, described above with referenceto FIG. 1, can correspond to the data store(s) 1942 described herein.

Furthermore, in at least one example, the data store(s) 1942 can storeinventory database(s) and/or catalog database(s). An inventory databasecan store data associated with a quantity of each item that a merchanthas available to the merchant. Furthermore, a catalog database can storedata associated with items that a merchant has available foracquisition. The data store(s) 1942 can store additional or alternativetypes of data as described herein, such as incentive data, or the like.

The phrases “in some examples,” “according to various examples,” “in theexamples shown,” “in one example,” “in other examples,” “variousexamples,” “some examples,” and the like generally mean the particularfeature, structure, or characteristic following the phrase is includedin at least one example of the present invention, and may be included inmore than one example of the present invention. In addition, suchphrases do not necessarily refer to the same examples or to differentexamples.

If the specification states a component or feature “can,” “may,”“could,” or “might” be included or have a characteristic, thatparticular component or feature is not required to be included or havethe characteristic.

Further, the aforementioned description is directed to devices andapplications that are related to payment technology. However, it will beunderstood, that the technology can be extended to any device andapplication. Moreover, techniques described herein can be configured tooperate irrespective of the kind of payment object reader, POS terminal,web applications, mobile applications, POS topologies, payment cards,computer networks, and environments.

Various figures included herein are flowcharts or swim lane diagramsshowing example processes involving techniques as described herein. Theprocesses illustrated are described with reference to FIGS. 1, 17, and19 for convenience and ease of understanding. However, the processesillustrated are not limited to being performed using componentsdescribed in FIGS. 1, 17, and 19, and such components are not limited toperforming the processes illustrated herein.

Furthermore, in some examples, the processes described above areillustrated as collections of blocks in logical flow graphs, whichrepresent sequences of operations that can be implemented in hardware,software, or a combination thereof. In the context of software, theblocks represent computer-executable instructions stored on one or morecomputer-readable storage media that, when executed by processor(s),perform the recited operations. Generally, computer-executableinstructions include routines, programs, objects, components, datastructures, and the like that perform particular functions or implementparticular abstract data types. The order in which the operations aredescribed is not intended to be construed as a limitation, and anynumber of the described blocks can be combined in any order and/or inparallel to implement the processes. In some embodiments, one or moreblocks of the process can be omitted entirely. Moreover, the processescan be combined in whole or in part with each other or with otherprocesses.

Further, the GUIs described above are non-limiting examples of GUIs thatcan be presented via computing devices. In additional or alternativeexamples, additional or alternative content can be presented via theGUIs and/or additional or alternative configurations can be imagined. Assuch, the GUIs are provided for illustrative purposes and should not beconstrued as limiting.

A. A payment processing platform configured to process a transaction byinteraction with a peer-to-peer (P2P) payment platform, the paymentprocessing platform comprising: a point-of-sale (POS) device comprising:a touchscreen configured to face a customer for customer selection of apayment type using the touchscreen; and a POS application configured to:generate transaction data associated with the transaction, wherein thetransaction is between a merchant and the customer; receive a QuickResponse (QR) code associated with the P2P payment platform; present,via the touchscreen, the QR code to the customer before presenting apayment type selection user interface to the customer; and afterreceiving selection of the payment type via the touchscreen or anindication, from the payment processing platform, that the customercaptured the QR code using a computing device of the customer, completethe transaction via one or more server computing devices associated withthe payment processing platform; and the one or more server computingdevices associated with the payment processing platform configured to:receive an indication, from one or more server computing devicesassociated with the P2P payment platform, that the customer captured theQR code using the computing device of the customer; transmit theindication that that the customer captured the QR code using thecomputing device of the customer to the POS application; in response toreceiving the indication that the customer captured the QR code usingthe computing device of the customer, send an authorization request tothe one or more server computing devices associated with the P2P paymentplatform to authorize payment for the transaction; and in response toreceiving an authorization response to the authorization request, settlefunds between the merchant and the customer by depositing funds receivedfrom the P2P payment platform into a merchant account of the merchant,wherein the funds were associated with a customer account of thecustomer of the P2P payment platform before being deposited into themerchant account.

B. The payment processing platform as clause A recites, wherein the QRcode is received via an Application Programming Interface (API) of theP2P payment platform.

C. The payment processing platform as clause A or B recites, wherein theQR code is received via the one or more server computing devicesassociated with the payment processing platform, and wherein the one ormore server computing devices associated with the payment processingplatform are configured to (i) obtain the QR code via an ApplicationProgramming Interface (API) of the P2P payment platform and (ii) sendthe QR code to the POS application.

D. The payment processing platform as any of clauses A-C recites,wherein the QR code is specific to at least one of the transaction orthe merchant.

E. The payment processing platform as any of clauses A-D recites,wherein the one or more server computing devices associated with thepayment processing platform are further configured to: receive thetransaction data from the POS application; compare the transaction datawith context data associated with the indication that the customercaptured the QR code using the computing device of the customer todetermine that the customer is associated with the transaction; andtransmit the indication that the customer captured the QR code using thecomputing device of the customer to the POS application based at leastin part on a determination that the customer is associated with thetransaction.

F. A method, implemented at least in part by a point-of-sale (POS)application, executable by a computing device of a merchant, the methodcomprising: generating, by the POS application, transaction dataassociated with a transaction between the merchant and a customer,wherein the POS application is associated with a payment processingplatform; receiving, at the POS application, a transaction codeassociated with a peer-to-peer (P2P) payment platform; presenting, bythe POS application, the transaction code via a user interface of thecomputing device of the merchant; and based at least in part onreceiving an indication of an interaction between a computing device ofthe customer and the transaction code, causing, by the POS application,at least a portion of the transaction data to be presented via a mobilepayment application associated with the P2P payment platform on thecomputing device of the customer.

G. The method as clause F recites, wherein the transaction code isassociated with a resource locator to a location of the P2P paymentplatform.

H. The method as clause F or G recites, wherein the transaction code isassociated with a deep link to the mobile payment application.

I. The method as clause H recites, wherein if the mobile paymentapplication is not installed on the computing device of the customer,causing the mobile payment application to be installed on the computingdevice of the customer or enabling use of the mobile payment applicationon the computing device of the customer via an instant application.

J. The method as any of clauses F-I recites, wherein the user interfaceis a cart building user interface for adding one or more items to avirtual cart.

K. The method as clause J recites, wherein the portion of thetransaction data comprises an indication of the one or more items,wherein the indication of the one or more items is presented via anothercart building user interface presented by the mobile payment applicationin near-real time.

L. The method as any of clauses F-K recites, wherein the transactioncode is presented before a payment type selection user interface.

M. The method as any of clauses F-L recites, wherein the user interfaceis a payment type selection user interface.

N. The method as any of clauses F-M recites, wherein the portion of thetransaction data comprises a total cost of the transaction and whereinthe total cost of the transaction is presented via a tipping userinterface, a reward user interface, or a feedback user interfacepresented by the mobile payment application.

O. A method, implemented at least in part by one or more servercomputing devices associated with a payment processing platform, themethod comprising: receiving, from a point-of-sale (POS) applicationassociated with the payment processing platform, on a computing deviceof a merchant, transaction data associated with a transaction between acustomer and the merchant, wherein the POS application causes atransaction code to be presented via a display of the computing deviceof the merchant; receiving an indication of an interaction between acomputing device of the customer and the transaction code; transmittingthe indication of the interaction between the computing device of thecustomer and the transaction code to the POS application; based at leastin part on receiving the indication of the interaction between thecomputing device of the customer and the transaction code, sending anauthorization request to one or more server computing devices associatedwith a peer-to-peer (P2P) payment platform to authorize payment for thetransaction; and based at least in part on receiving a response to theauthorization request, settling funds between the merchant and thecustomer by depositing at least a portion of funds received from the P2Ppayment platform into a merchant account of the merchant, wherein thefunds were associated with a customer account of the customer of the P2Ppayment platform before being deposited into the merchant account.

P. The method as clause O recites, wherein the merchant account isassociated with a stored balance maintained by the payment processingplatform and the customer account is associated with a stored balancemaintained by the P2P payment platform.

Q. The method as clause O or P recites, further comprising: accessingcustomer data associated with the customer; determining a level of riskassociated with the customer based at least in part on the customerdata; and settling the funds between the merchant and the customer basedat least in part on a determination that the level of risk is below athreshold.

R. The method as any of clauses O-Q recites, wherein the indication ofthe interaction between the computing device of the customer and thetransaction code is received via an Application Programming Interface(API) associated with the P2P payment platform.

S. The method as any of clauses O-R recites, wherein the transactioncode is a multi-function transaction code associated with multiple P2Ppayment platforms and the indication of the interaction is received fromthe computing device of the customer, the method further comprising:sending, to the computing device of the customer, a request to selectone of the multiple P2P payment platforms; receiving, from the computingdevice of the customer, an indication of a selection of the P2P paymentplatform; and sending the authorization request to the one or moreserver computing devices associated with the P2P payment platform basedat least in part on the selection of the P2P payment platform.

T. The method as any of clauses O-S recites, wherein based at least inpart on receiving the indication of the interaction between thecomputing device of the customer and the transaction code, causing atleast a portion of the transaction data to be presented via a mobilepayment application associated with the P2P payment platform on thecomputing device of the customer.

U. A peer-to-peer (P2P) payment platform configured to process atransaction by interaction with a payment processing platform, the P2Ppayment platform comprising: a mobile payment application configured to:capture, using a camera integrated with the mobile payment application,a Quick Response (QR) code associated with the P2P payment platform,wherein the QR code is presented via a computing device of a merchant inassociation with a transaction between the merchant and a customer withwhich the mobile payment application is associated; and send anindication that the customer captured the QR code using a computingdevice of the customer to one or more server computing devicesassociated with the P2P payment platform; and the one or more servercomputing devices associated with the P2P payment platform configuredto: receive, at a first time and from one or more server computingdevices associated with the payment processing platform, an indicationof the transaction; send the QR code to the one or more server computingdevices associated with the payment processing platform; receive, at asecond time after the first time and from the mobile paymentapplication, the indication that the customer captured the QR code usingthe computing device of the customer; send the indication that thecustomer captured the QR code using the computing device of the customerto the one or more server computing devices associated with the paymentprocessing platform; receive, from the one or more server computingdevices associated with payment processing platform, a request toauthorize payment for the amount of the transaction; based on receivingthe request, authorize payment for the amount of the transaction basedon a balance associated with a customer account of the customermaintained by the P2P payment platform; and based on authorizing thepayment, transmit funds from the customer account of the customer to theone or more server computing devices associated with payment processingplatform for depositing the funds into a merchant account of themerchant associated with the payment processing platform.

V. The P2P payment platform as clause U recites, wherein sending the QRcode to the one or more server computing devices associated with paymentprocessing platform comprises sending the QR code via an ApplicationProgramming Interface (API) of the P2P payment platform.

W. The P2P payment platform as clause U or V recites, wherein the QRcode is generated in response to receiving the indication of thetransaction from the one or more server computing devices associatedwith the payment processing platform and the QR code is specific to atleast one of the merchant or the transaction.

X. The P2P payment platform as any of clauses U-W recites, wherein theone or more server computing devices associated with the P2P paymentplatform are configured to: receive, from the one or more servercomputing devices associated with the payment processing platform, arequest for the QR code; and generate the QR code responsive toreceiving the request.

Y. The P2P payment platform as any of clauses U-X recites, wherein theQR code is caused to be presented while one or more items are beingadded to a virtual cart via a point-of-sale (POS) application on thecomputing device of the merchant, prior to presentation of a paymenttype selection user interface presented via the computing device of themerchant, or in association with the payment type selection userinterface.

Z. A method, implemented at least in part by a mobile paymentapplication, associated with a peer-to-peer (P2P) payment platform,executable by a computing device of a customer, the method comprising:detecting an interaction between the computing device of the customerand a transaction code associated with the P2P payment platform, whereinthe transaction code is presented via a computing device of a merchantin association with a transaction between the merchant and the customer;sending an indication of the interaction between the computing device ofthe customer and the transaction code to one or more server computingdevices associated with the P2P payment platform; receiving, based atleast in part on sending the indication of the interaction between thecomputing device of the customer and the transaction code to the one ormore server computing devices associated with the P2P payment platform,at least a portion of transaction data associated with the transaction,wherein the transaction data is generated, at least in part, by apoint-of-sale (POS) application executing on the computing device of themerchant; and presenting at least the portion of the transaction datavia a user interface associated with the mobile payment application.

AA. The method as clause Z recites, wherein the transaction code isassociated with (i) a resource locator associated with a location of theP2P payment platform or (ii) a deep link to the mobile paymentapplication.

AB. The method as clause Z or AA recites, wherein the interactioncomprises a capture using a camera integrated with the mobile paymentapplication.

AC. The method as any of clauses Z-AB recites, wherein the interactioncomprises a capture using a native camera associated with the computingdevice of the customer, the method further comprising presenting, viathe user interface, a prompt for the customer to provide an inputindicating whether to present data associated with the transaction codevia the mobile payment application, an instant application, or a webbrowser.

AD. The method as clause AC recites, wherein based at least in part ondetermining that the transaction code is captured via the native camera,sending an authentication request to the one or more server computingdevices associated with the P2P payment platform.

AE. The method as any of clauses Z-AD recites, wherein at least theportion of the transaction data comprises one or more items being addedto a virtual cart, and wherein the user interface comprises a cartbuilding user interface.

AF. The method as any of clauses Z-AE recites, wherein at least theportion of the transaction data comprises a total cost of thetransaction, and wherein the user interface comprises a tipping userinterface.

AG. The method as any of clauses Z-AF recites, wherein the portion ofthe transaction data comprises an identification of the merchant, andwherein the user interface further presents an incentive associated withthe merchant.

AH. The method as any of clauses Z-AG recites, wherein the portion ofthe transaction data comprises an identification of an item to bepurchased via the transaction, and wherein the user interface furtherpresents an incentive associated with the item.

AI. A method, implemented at least in part by a server computing deviceassociated with a peer-to-peer (P2P) payment platform, the methodcomprising: sending, at a first time, a transaction code to a paymentprocessing platform, wherein the transaction code is presented via acomputing device of a merchant in association with a transaction betweena customer and the merchant; receiving, at a second time, an indicationof an interaction between the transaction code and a computing device ofthe customer; sending the indication of the interaction between thetransaction code and the computing device of the customer to one or moreserver computing devices associated with the payment processingplatform; receiving, from the one or more server computing devicesassociated with the payment processing platform, transaction dataassociated with the transaction, the transaction data including anamount of the transaction; determining whether to authorize payment forthe amount of the transaction; and based at least in part on determiningto authorize the payment, transmitting funds from a customer account ofthe customer that is associated with the P2P payment platform to the oneor more server computing devices associated with the payment processingplatform for depositing at least a portion of the funds into a merchantaccount of the merchant associated with the payment processing platform.

AJ. The method as clause AI recites, wherein, based at least in part onsending the indication of the interaction between the transaction codeand the computing device of the customer to the one or more servercomputing devices associated with the payment processing platform,receiving, from the one or more server computing devices associated withthe payment processing platform, at least a portion of transaction dataassociated with the transaction.

AK. The method as clause AJ recites, wherein at least the portion of thetransaction data is associated with at least one of an indication of themerchant or an item associated with the transaction and, based at leastin part on receiving at least the portion of the transaction data:determining that an incentive is applicable to at least the merchant orthe item; applying the incentive to the transaction; and causing anotification indicating that the incentive was applied to be presentedvia a user interface presented via a mobile payment application,associated with the P2P payment platform, on the computing device of thecustomer.

AL. The method as clause AJ or AK recites, wherein at least the portionof the transaction data is associated with one or more items associatedwith the transaction and, based at least in part on receiving at leastthe portion of the transaction data, causing at least the portion of thetransaction data to be presented via a cart building user interfacepresented via a mobile payment application associated with the P2Ppayment platform on the computing device of the customer in nearreal-time.

AM. The method as any of clauses AJ-AL recites, wherein at least theportion of the transaction data is associated with a total cost of thetransaction and, based at least in part on receiving at least theportion of the transaction data, causing at least the portion of thetotal cost of the transaction via a tipping user interface to bepresented via a mobile payment application on the computing device ofthe customer.

AN. The method as clause AM recites, further comprising: receiving, viaan input to the tipping user interface, a tip amount to be added to thetotal cost of the transaction; determining, based at least in part on adetermination to authorize the payment, that the tip amount is alsoauthorized; and transmitting additional funds, equal to the tip amount,from the customer account of the customer to the one or more servercomputing devices associated with the payment processing platform fordepositing the additional funds into the merchant account.

AO. A payment processing platform comprising: a point-of-sale (POS)application, executable by a POS device of a merchant, configured to:generate transaction data associated with the transaction, wherein thetransaction is between the merchant and a customer, and the transactiondata includes a first timestamp; and receive a Quick Response (QR) codeassociated with a peer-to-peer (P2P) payment platform, wherein the QRcode is caused to be presented via the POS application in associationwith the transaction; and one or more server computing devicesassociated with the payment processing platform configured to: receive,from one or more server computing devices associated with the P2Ppayment platform, an indication that the customer captured the QR codeusing a sensor of a computing device of the customer, wherein theindication is associated with context data indicating at least a secondtimestamp when the customer captured the QR code using the sensor of thecomputing device of the customer; determine, based at least in part oncorrelating the first timestamp and the second timestamp, that thecustomer is associated with the transaction; and associate the customerwith the transaction, wherein the association causes a movement of fundsbetween an account of the customer maintained by the P2P paymentplatform and an account of the merchant maintained by the paymentprocessing platform to process payment for the transaction.

AP. The payment processing platform as clause AO recites, wherein thePOS application receives the QR code via an Application ProgrammingInterface (API) of the P2P payment platform.

AQ. The payment processing platform as clause AO or AP recites, whereinthe QR code is specific to the transaction and comprises a resourcelocator to a location of the P2P payment platform or a deep link to amobile payment application on the computing device of the customer.

AR. The payment processing platform as any of clauses AO-AQ recites,wherein the QR code is encoded with at least one of an identifier of themerchant, a location of the merchant, or a POS location, and the QR codecomprises a resource locator to a location of the P2P payment platformor a deep link to a mobile payment application on the computing deviceof the customer.

AS. A method, implemented at least in part by at least one servercomputing device of a payment processing platform, the methodcomprising: receiving, from a point-of-sale (POS) application,associated with the payment processing platform, on a computing deviceof a merchant, transaction data associated with a transaction betweenthe merchant and a customer; receiving, from one or more servercomputing devices associated with a peer-to-peer (P2P) payment platform,a transaction code associated with the P2P payment platform, wherein thetransaction code is caused to be presented via a user interfacepresented by the POS application; receiving, from the one or more servercomputing devices associated with the P2P payment platform, anindication of an interaction between a computing device of the customerand the transaction code, wherein the indication is associated withcontext data associated with the interaction; determining, based atleast in part on comparing the transaction data with the context data,that the customer is associated with the transaction; and associatingthe customer with the transaction, wherein the association causes atleast a portion of the transaction data to be provided to a mobilepayment application, associated with the P2P payment platform, on thecomputing device of the customer.

AT. The method as clause AS recites, wherein the user interface is acart building user interface for adding one or more items to a virtualcart.

AU. The method as clause AS or AT recites, wherein the transaction codeis presented in association with the user interface prior to a paymenttype selection user interface being presented.

AV. The method as any of clauses AS-AU recites, wherein the userinterface is a payment type selection user interface.

AW. The method as any of clauses AS-AV recites, wherein the transactiondata includes a first timestamp and the context data includes a secondtimestamp and, determining that the customer is associated with thetransaction comprises correlating the first timestamp and the secondtimestamp.

AX. The method as any of clauses AS-AW recites, wherein the transactiondata includes a first location and the context data includes a secondlocation and, determining that the customer is associated with thetransaction comprises correlating the first location and the secondlocation.

AY. The method as any of clauses AS-AX recites, wherein at least theportion of the transaction data is associated with one or more itemsassociated with the transaction, the method further comprising causingan indication of the one or more items to be presented via a cartbuilding user interface presented via the mobile payment application.

AZ. The method as any of clauses AS-AY recites, wherein at least theportion of the transaction data is associated with a total cost of thetransaction, the method further comprising causing the total cost of thetransaction to be presented via a tipping user interface presented viathe mobile payment application.

BA. The method as any of clauses AS-AZ recites, wherein at least theportion of the transaction data is associated with at least one of anitem associated with the transaction or the merchant, the method furthercomprising causing an incentive associated with at least one of the itemor the merchant to be presented via another user interface presented viathe mobile payment application.

BB. The method as any of clauses AS-BA recites, wherein the associationfurther causes a movement of funds from an account of the customermaintained by the P2P payment platform to an account of the merchantmaintained by the payment processing platform to process payment for thetransaction.

BC. A system comprising: one or more processors; and one or morecomputer-readable media comprising instructions that, when executed bythe one or more processors, cause the system to perform operationscomprising: receiving, from a point-of-sale (POS) application,associated with a payment processing platform, on a computing device ofa merchant, transaction data associated with a transaction between themerchant and a customer; receiving, from one or more server computingdevices associated with a peer-to-peer (P2P) payment platform, atransaction code associated with the P2P payment platform, wherein thetransaction code is caused to be presented in association with a userinterface presented via the POS application; receiving, from the one ormore server computing devices associated with P2P payment platform, anindication of an interaction between a computing device of the customerand the transaction code, wherein the indication is associated withcontext data associated with the transaction; determining, based atleast in part on comparing the transaction data with the context data,that the customer is associated with the transaction; and associatingthe customer with the transaction, wherein the association causes atleast a portion of the transaction data to be provided to a mobilepayment application, associated with the P2P payment platform, on thecomputing device of the customer.

BD. The system as clause BC recites, wherein the user interface is acart building user interface for adding one or more items to a virtualcart and wherein the transaction code is presented via the cart buildinguser interface prior to a payment type selection user interface beingpresented.

BE. The system as clause BC or BD recites, wherein the transaction dataincludes a first timestamp and the context data includes a secondtimestamp and determining that the customer is associated with thetransaction comprises correlating the first timestamp and the secondtimestamp.

BF. The system as any of clauses BC-BE recites, wherein the transactiondata includes a first location and the context data includes a secondlocation and determining that the customer is associated with thetransaction comprises correlating the first location and the secondlocation.

BG. The system as any of clauses BC-BF recites, wherein at least theportion of the transaction data comprises at least one of: an indicationof one or more items associated with the transaction; a total cost ofthe transaction; or an indication of the merchant associated with thetransaction.

BH. The system as any of clauses BC-BG recites, wherein the associationfurther causes a movement of funds from an account of the customermaintained by the P2P payment platform to an account of the merchantmaintained by the payment processing platform to process payment for thetransaction.

BI. A payment processing platform configured to process a transaction byinteraction with a peer-to-peer (P2P) payment platform, the paymentprocessing platform comprising: a point-of-sale (POS) device comprising:a touchscreen configured to face a customer for customer selection of apayment type using the touchscreen; and a POS application configured to:generate transaction data associated with the transaction, wherein thetransaction is between a merchant and the customer; receive a QuickResponse (QR) code associated with the P2P payment platform; present,via the touchscreen, the QR code to the customer before presenting apayment type selection user interface to the customer; and afterreceiving selection of the payment type via the touchscreen or anindication, from the payment processing platform, that the customercaptured the QR code using a computing device of the customer, completethe transaction via one or more server computing devices associated withthe payment processing platform; and the one or more server computingdevices associated with the payment processing platform configured to:receive an indication, from one or more server computing devicesassociated with the P2P payment platform, that the customer captured theQR code using the computing device of the customer; transmit theindication that that the customer captured the QR code using thecomputing device of the customer to the POS application; in response toreceiving the indication that the customer captured the QR code usingthe computing device of the customer, send an authorization request tothe one or more server computing devices associated with the P2P paymentplatform to authorize payment for the transaction; and in response toreceiving an authorization response to the authorization request, settlefunds between the merchant and the customer by depositing funds receivedfrom the P2P payment platform into a merchant account of the merchant,wherein the funds were associated with a customer account of thecustomer of the P2P payment platform before being deposited into themerchant account.

BJ. The payment processing platform as clause BI recites, wherein the QRcode is received via an Application Programming Interface (API) of theP2P payment platform.

BK. The payment processing platform as clause BI or BJ recites, whereinthe QR code is received via the one or more server computing devicesassociated with the payment processing platform, and wherein the one ormore server computing devices associated with the payment processingplatform are configured to (i) obtain the QR code via an ApplicationProgramming Interface (API) of the P2P payment platform and (ii) sendthe QR code to the POS application.

BL. The payment processing platform as any of clauses BI-BK recites,wherein the QR code is specific to at least one of the transaction orthe merchant.

BM. The payment processing platform as any of clauses BI-BL recites,wherein the one or more server computing devices associated with thepayment processing platform are further configured to: receive thetransaction data from the POS application; compare the transaction datawith context data associated with the indication that the customercaptured the QR code using the computing device of the customer todetermine that the customer is associated with the transaction; andtransmit the indication that the customer captured the QR code using thecomputing device of the customer to the POS application based at leastin part on a determination that the customer is associated with thetransaction.

BN. A method, implemented at least in part by a point-of-sale (POS)application, executable by a computing device of a merchant, the methodcomprising: generating, by the POS application, transaction dataassociated with a transaction between the merchant and a customer,wherein the POS application is associated with a payment processingplatform; receiving, at the POS application, a transaction codeassociated with a payment making platform; presenting, by the POSapplication, the transaction code via a user interface of the computingdevice of the merchant; and based at least in part on receiving anindication of an interaction between a computing device of the customerand the transaction code, causing, by the POS application, at least aportion of the transaction data to be presented via a mobile paymentapplication associated with the payment making platform on the computingdevice of the customer.

BO. The method as clause BN recites, wherein the transaction code isassociated with a resource locator to a location of the payment makingplatform.

BP. The method as clause BN or BO recites, wherein the transaction codeis associated with a deep link to the mobile payment application.

BQ. The method as clause BP recites, wherein if the mobile paymentapplication is not installed on the computing device of the customer,causing the mobile payment application to be installed on the computingdevice of the customer or enabling use of the mobile payment applicationon the computing device of the customer via an instant application.

BR. The method as any of clauses BN-BQ recites, wherein the userinterface is a cart building user interface for adding one or more itemsto a virtual cart.

BS. The method as clause BR recites, wherein the portion of thetransaction data comprises an indication of the one or more items,wherein the indication of the one or more items is presented via anothercart building user interface presented by the mobile payment applicationin near-real time.

BT. The method as any of clauses BN-BS recites, wherein the transactioncode is presented before a payment type selection user interface.

BU. The method as any of clauses BN-BT recites, wherein the userinterface is a payment type selection user interface.

BV. The method as any of clauses BN-BU recites, wherein the portion ofthe transaction data comprises a total cost of the transaction andwherein the total cost of the transaction is presented via a tippinguser interface, a reward user interface, or a feedback user interfacepresented by the mobile payment application.

BW. A method, implemented at least in part by one or more servercomputing devices associated with a payment processing platform, themethod comprising: receiving, from a point-of-sale (POS) applicationassociated with the payment processing platform and executing on acomputing device of a merchant, transaction data associated with atransaction between a customer and the merchant, wherein the POSapplication causes a transaction code to be presented via a display ofthe computing device of the merchant; receiving an indication of aninteraction between a computing device of the customer and thetransaction code; transmitting the indication of the interaction betweenthe computing device of the customer and the transaction code to the POSapplication; based at least in part on receiving the indication of theinteraction between the computing device of the customer and thetransaction code, sending an authorization request to one or more servercomputing devices associated with a payment making platform to authorizepayment for the transaction; and based at least in part on receiving aresponse to the authorization request, settling funds between themerchant and the customer by depositing an amount of funds associatedwith the transaction into a merchant account of the merchant.

BX. The method as clause BW recites, wherein the funds were associatedwith a customer account of the customer of the payment making platformbefore being deposited into the merchant account, wherein the merchantaccount is associated with a stored balance maintained by the paymentprocessing platform and the customer account is associated with a storedbalance maintained by the payment making platform.

BY. The method as clause BW or BX recites, further comprising: accessingcustomer data associated with the customer; determining a level of riskassociated with the customer based at least in part on the customerdata; and settling the funds between the merchant and the customer basedat least in part on a determination that the level of risk is below athreshold.

BZ. The method as any of clauses BW-BY recites, wherein the indicationof the interaction between the computing device of the customer and thetransaction code is received via an Application Programming Interface(API) associated with the payment making platform.

CA. The method as any of clauses BW-BZ recites, wherein the transactioncode is a multi-function transaction code associated with multiplepayment making platforms and the indication of the interaction isreceived from the computing device of the customer, the method furthercomprising: sending, to the computing device of the customer, a requestto select one of the multiple payment making platforms; receiving, fromthe computing device of the customer, an indication of a selection ofthe payment making platform; and sending the authorization request tothe one or more server computing devices associated with the paymentmaking platform based at least in part on the selection of the paymentmaking platform.

CB. The method as any of clauses BW-CA recites, wherein based at leastin part on receiving the indication of the interaction between thecomputing device of the customer and the transaction code, causing atleast a portion of the transaction data to be presented via a mobilepayment application associated with the payment making platform on thecomputing device of the customer.

CC. A peer-to-peer (P2P) payment platform configured to process atransaction by interaction with a payment processing platform, the P2Ppayment platform comprising: a mobile payment application configured to:capture, using a camera integrated with the mobile payment application,a Quick Response (QR) code associated with the P2P payment platform,wherein the QR code is presented via a computing device of a merchant inassociation with a transaction between the merchant and a customer withwhich the mobile payment application is associated; and send, to one ormore server computing devices associated with the P2P payment platform,an indication that the customer captured the QR code using a computingdevice of the customer; and the one or more server computing devicesassociated with the P2P payment platform configured to: receive, at afirst time and from one or more server computing devices associated withthe payment processing platform, an indication of the transaction; sendthe QR code to the one or more server computing devices associated withthe payment processing platform; receive, at a second time after thefirst time and from the mobile payment application, the indication thatthe customer captured the QR code using the computing device of thecustomer; send, to the one or more server computing devices associatedwith the payment processing platform, the indication that the customercaptured the QR code using the computing device of the customer;receive, from the one or more server computing devices associated withpayment processing platform, a request to authorize payment for anamount of the transaction; based on receiving the request, authorizepayment for the amount of the transaction based on a balance associatedwith a customer account of the customer maintained by the P2P paymentplatform; and based on authorizing the payment, transmit funds from thecustomer account of the customer to the one or more server computingdevices associated with payment processing platform for depositing thefunds into a merchant account of the merchant associated with thepayment processing platform.

CD. The P2P payment platform as clause CC recites, wherein sending theQR code to the one or more server computing devices associated withpayment processing platform comprises sending the QR code via anApplication Programming Interface (API) of the P2P payment platform.

CE. The P2P payment platform as clause CC or CD recites, wherein the QRcode is generated in response to receiving the indication of thetransaction from the one or more server computing devices associatedwith the payment processing platform and the QR code is specific to atleast one of the merchant or the transaction.

CF. The P2P payment platform as any of clauses CC-CE recites, whereinthe one or more server computing devices associated with the P2P paymentplatform are configured to: receive, from the one or more servercomputing devices associated with the payment processing platform, arequest for the QR code; and generate the QR code responsive toreceiving the request.

CG. The P2P payment platform as any of clauses CC-CF recites, whereinthe QR code is caused to be presented while one or more items are beingadded to a virtual cart via a point-of-sale (POS) application on thecomputing device of the merchant, prior to presentation of a paymenttype selection user interface presented via the computing device of themerchant, or in association with the payment type selection userinterface.

CH. A method, implemented at least in part by a mobile paymentapplication executing on a computing device of a customer and associatedwith a payment making platform, the method comprising: detecting, by themobile payment application, an interaction between the computing deviceof the customer and a transaction code associated with the paymentmaking platform, wherein the transaction code is presented via acomputing device of a merchant in association with a transaction betweenthe merchant and the customer; sending, by the mobile paymentapplication, an indication of the interaction between the computingdevice of the customer and the transaction code to one or more servercomputing devices associated with the payment making platform;receiving, by the mobile payment application and based at least in parton sending the indication of the interaction between the computingdevice of the customer and the transaction code to the one or moreserver computing devices associated with the payment making platform, atleast a portion of transaction data associated with the transaction,wherein the transaction data is generated, at least in part, by apoint-of-sale (POS) application executing on the computing device of themerchant; and presenting, by the mobile payment application via a userinterface, at least the portion of the transaction data.

CI. The method as clause CH recites, wherein the transaction code isassociated with (i) a resource locator associated with a location of thepayment making platform or (ii) a deep link to the mobile paymentapplication.

CJ. The method as clause CH or CI recites, wherein the interactioncomprises a capture using a camera integrated with the mobile paymentapplication.

CK. The method as any of clauses CH-CJ recites, wherein the interactioncomprises a capture using a native camera associated with the computingdevice of the customer, the method further comprising presenting, viathe user interface, a prompt for the customer to provide an inputindicating whether to present data associated with the transaction codevia the mobile payment application, an instant application, or a webbrowser.

CL. The method as clause CK recites, wherein based at least in part ondetermining that the transaction code is captured via the native camera,sending an authentication request to the one or more server computingdevices associated with the payment making platform.

CM. The method as any of clauses CH-CL recites, wherein at least theportion of the transaction data comprises one or more items being addedto a virtual cart, and wherein the user interface comprises a cartbuilding user interface.

CN. The method as any of clauses CH-CM recites, wherein at least theportion of the transaction data comprises a total cost of thetransaction, and wherein the user interface comprises a tipping userinterface.

CO. The method as any of clauses CH-CN recites, wherein the portion ofthe transaction data comprises an identification of the merchant, andwherein the user interface further presents an incentive associated withthe merchant.

CP. The method as any of clauses CH-CO recites, wherein the portion ofthe transaction data comprises an identification of an item to bepurchased via the transaction, and wherein the user interface furtherpresents an incentive associated with the item.

CQ. A method, implemented at least in part by one or more servercomputing devices associated with a payment making platform, the methodcomprising: sending, by the one or more server computing devicesassociated with the payment making platform and at a first time, atransaction code to a payment processing platform, wherein thetransaction code is presented via a computing device of a merchant inassociation with a transaction between a customer and the merchant;receiving, by the one or more server computing devices associated withthe payment making platform and at a second time, an indication of aninteraction between the transaction code and a computing device of thecustomer; sending, by the one or more server computing devicesassociated with the payment making platform, the indication of theinteraction between the transaction code and the computing device of thecustomer to one or more server computing devices associated with thepayment processing platform; receiving, by the one or more servercomputing devices associated with the payment making platform and fromthe one or more server computing devices associated with the paymentprocessing platform, transaction data associated with the transaction,the transaction data including an amount of the transaction;determining, by the one or more server computing devices associated withthe payment making platform, whether to authorize payment for the amountof the transaction; and based at least in part on determining toauthorize the payment, transmitting, by the one or more server computingdevices associated with the payment making platform, funds from acustomer account of the customer that is associated with the paymentmaking platform to the one or more server computing devices associatedwith the payment processing platform for depositing at least a portionof the funds into a merchant account of the merchant associated with thepayment processing platform.

CR. The method as clause CQ recites, wherein, based at least in part onsending the indication of the interaction between the transaction codeand the computing device of the customer to the one or more servercomputing devices associated with the payment processing platform,receiving, from the one or more server computing devices associated withthe payment processing platform, at least a portion of transaction dataassociated with the transaction.

CS. The method as clause CR recites, wherein at least the portion of thetransaction data is associated with at least one of an indication of themerchant or an item associated with the transaction and, based at leastin part on receiving at least the portion of the transaction data:determining that an incentive is applicable to at least the merchant orthe item; applying the incentive to the transaction; and causing anotification indicating that the incentive was applied to be presentedvia a user interface presented via a mobile payment application,associated with the payment making platform, on the computing device ofthe customer.

CT. The method as clause CR or CS recites, wherein at least the portionof the transaction data is associated with one or more items associatedwith the transaction and, based at least in part on receiving at leastthe portion of the transaction data, causing at least the portion of thetransaction data to be presented via a cart building user interfacepresented via a mobile payment application associated with the paymentmaking platform on the computing device of the customer in nearreal-time.

CU. The method as any of clauses CR-CT recites, wherein at least theportion of the transaction data is associated with a total cost of thetransaction and, based at least in part on receiving at least theportion of the transaction data, causing at least the portion of thetotal cost of the transaction via a tipping user interface to bepresented via a mobile payment application on the computing device ofthe customer.

CV. The method as clause CU recites, further comprising: receiving, viaan input to the tipping user interface, a tip amount to be added to thetotal cost of the transaction; determining, based at least in part on adetermination to authorize the payment, that the tip amount is alsoauthorized; and transmitting additional funds, equal to the tip amount,from the customer account of the customer to the one or more servercomputing devices associated with the payment processing platform fordepositing the additional funds into the merchant account.

CW. A payment processing platform comprising: a point-of-sale (POS)application, executable by a POS device of a merchant, configured to:generate transaction data associated with the transaction, wherein thetransaction is between the merchant and a customer, and the transactiondata includes a first timestamp; and receive a Quick Response (QR) codeassociated with a peer-to-peer (P2P) payment platform, wherein the QRcode is caused to be presented via the POS application in associationwith the transaction; and one or more server computing devicesassociated with the payment processing platform configured to: receive,from one or more server computing devices associated with the P2Ppayment platform, an indication that the customer captured the QR codeusing a sensor of a computing device of the customer, wherein theindication is associated with context data indicating at least a secondtimestamp indicating when the customer captured the QR code using thesensor of the computing device of the customer; determine, based atleast in part on correlating the first timestamp and the secondtimestamp, that the customer is associated with the transaction; andassociate the customer with the transaction, wherein the associationcauses a movement of funds between an account of the customer maintainedby the P2P payment platform and an account of the merchant maintained bythe payment processing platform to process payment for the transaction.

CX. The payment processing platform as clause CW recites, wherein thePOS application receives the QR code via an Application ProgrammingInterface (API) of the P2P payment platform.

CY. The payment processing platform as clause CW or CX recites, whereinthe QR code is specific to the transaction and comprises a resourcelocator to a location of the P2P payment platform or a deep link to amobile payment application on the computing device of the customer.

CZ. The payment processing platform as any of clauses CW-CY recites,wherein the QR code is encoded with at least one of an identifier of themerchant, a location of the merchant, or a POS location, and the QR codecomprises a resource locator to a location of the P2P payment platformor a deep link to a mobile payment application on the computing deviceof the customer.

DA. A method, implemented at least in part by one or more servercomputing devices associated with a payment processing platform, themethod comprising: receiving, by the one or more server computingdevices associated with the payment processing platform and from apoint-of-sale (POS) application associated with the payment processingplatform, on a computing device of a merchant, transaction dataassociated with a transaction between the merchant and a customer;receiving, by the one or more server computing devices associated withthe payment processing platform and from one or more server computingdevices associated with a payment making platform, a transaction codeassociated with the payment making platform, wherein the transactioncode is presented via a user interface associated with the POSapplication; receiving, by the one or more server computing devicesassociated with the payment processing platform and from the one or moreserver computing devices associated with the payment making platform, anindication of an interaction between a computing device of the customerand the transaction code, wherein the indication is associated withcontext data associated with the interaction; determining, by the one ormore server computing devices associated with the payment processingplatform and based at least in part on comparing the transaction datawith the context data, that the customer is associated with thetransaction; and causing, by the one or more server computing devicesassociated with the payment processing platform, an association betweenthe customer and the transaction, wherein the association causes atleast a portion of the transaction data to be provided to a mobilepayment application, associated with the payment making platform, on thecomputing device of the customer.

DB. The method as clause DA recites, wherein the user interface is acart building user interface for adding one or more items to a virtualcart.

DC. The method as clause DA or DB recites, wherein the transaction codeis presented in association with the user interface prior to a paymenttype selection user interface being presented.

DD. The method as any of clauses DA-DC recites, wherein the userinterface is a payment type selection user interface.

DE. The method as any of clauses DA-DD recites, wherein the transactiondata includes a first timestamp and the context data includes a secondtimestamp and, determining that the customer is associated with thetransaction comprises correlating the first timestamp and the secondtimestamp.

DF. The method as any of clauses DA-DE recites, wherein the transactiondata includes a first location and the context data includes a secondlocation and, determining that the customer is associated with thetransaction comprises correlating the first location and the secondlocation.

DG. The method as any of clauses DA-DF recites, wherein at least theportion of the transaction data is associated with one or more itemsassociated with the transaction, the method further comprising causingan indication of the one or more items to be presented via a cartbuilding user interface presented via the mobile payment application.

DH. The method as any of clauses DA-DG recites, wherein at least theportion of the transaction data is associated with a total cost of thetransaction, the method further comprising causing the total cost of thetransaction to be presented via a tipping user interface presented viathe mobile payment application.

DI. The method as any of clauses DA-DH recites, wherein at least theportion of the transaction data is associated with at least one of anitem associated with the transaction or the merchant, the method furthercomprising causing an incentive associated with at least one of the itemor the merchant to be presented via another user interface presented viathe mobile payment application.

DJ. The method as any of clauses DA-DI recites, wherein the associationfurther causes a movement of funds from an account of the customermaintained by the payment making platform to the payment processingplatform to process payment for the transaction.

DK. A system comprising: one or more processors; and one or morecomputer-readable media comprising instructions that, when executed bythe one or more processors, cause the system to perform operationscomprising: receiving, from a point-of-sale (POS) application,associated with a payment processing platform, on a computing device ofa merchant, transaction data associated with a transaction between themerchant and a customer; receiving, from one or more server computingdevices associated with a payment making platform, a transaction codeassociated with the payment making platform, wherein the transactioncode is presented in association with a user interface associated withthe POS application; receiving, from the one or more server computingdevices associated with payment making platform, an indication of aninteraction between a computing device of the customer and thetransaction code, wherein the indication is associated with context dataassociated with the transaction; determining, based at least in part oncomparing the transaction data with the context data, that the customeris associated with the transaction; and causing an association betweenthe customer and the transaction, wherein the association causes atleast a portion of the transaction data to be provided to a mobilepayment application, associated with the payment making platform, on thecomputing device of the customer.

DL. The system as clause DK recites, wherein the user interface is acart building user interface for adding one or more items to a virtualcart and wherein the transaction code is presented via the cart buildinguser interface prior to a payment type selection user interface beingpresented.

DM. The system as clause DK or DL recites, wherein the transaction dataincludes a first timestamp and the context data includes a secondtimestamp and determining that the customer is associated with thetransaction comprises correlating the first timestamp and the secondtimestamp.

DN. The system as any of clauses DK-DM recites, wherein the transactiondata includes a first location and the context data includes a secondlocation and determining that the customer is associated with thetransaction comprises correlating the first location and the secondlocation.

DO. The system as any of clauses DK-DN recites, wherein at least theportion of the transaction data comprises at least one of: an indicationof one or more items associated with the transaction; a total cost ofthe transaction; or an indication of the merchant associated with thetransaction.

DP. The system as any of clauses DK-DO recites, wherein the associationfurther causes a movement of funds from an account of the customermaintained by the payment making platform to an account of the merchantmaintained by the payment processing platform to process payment for thetransaction.

While the example clauses described above are described with respect toone particular implementation, it should be understood that, in thecontext of this document, the content of the example clauses can also beimplemented via a method, device, system, a computer-readable medium,and/or another implementation. Additionally, any of example clauses A-DPmay be implemented alone or in combination with any other one or more ofthe example clauses A-DP.

What is claimed is:
 1. A peer-to-peer (P2P) payment platform forfacilitating P2P payments that is configured to process a transaction byinteraction with a payment processing platform for processing paymentsof merchants, the P2P payment platform comprising: a mobile paymentapplication, provided to a computing device of a customer by a first setof server computing devices associated with the P2P payment platform,configured to: capture, using a camera integrated with the mobilepayment application, a Quick Response (QR) code associated with the P2Ppayment platform, wherein the QR code is presented via a computingdevice of a merchant in association with a transaction between themerchant and the customer with which the mobile payment application isassociated, wherein the transaction is initiated via a point-of-sale(POS) application on the computing device of the merchant, and whereinthe POS application is provided to the computing device of the merchantby a second set of server computing devices associated with the paymentprocessing platform; and send, to the first set of server computingdevices associated with the P2P payment platform, an indication that thecustomer captured the OR code using the computing device of thecustomer; and the first set of server computing devices associated withthe P2P payment platform configured to: receive, at a first time andfrom the second set of server computing devices associated with thepayment processing platform, an indication of the transaction; send theQR code to the second set of server computing devices associated withthe payment processing platform; receive, at a second time after thefirst time and from the mobile payment application, the indication thatthe customer captured the QR code using the computing device of thecustomer; send, to the second set of server computing devices associatedwith the payment processing platform, the indication that the customercaptured the QR code using the computing device of the customer;receive, from the second set of server computing devices associated withpayment processing platform, a request to authorize payment for anamount of the transaction; based on receiving the request, authorizepayment for the amount of the transaction based on a balance associatedwith a customer account of the customer maintained by the P2P paymentplatform; and based on authorizing the payment, transmit funds from thecustomer account of the customer to the second set of server computingdevices associated with payment processing platform for depositing thefunds into a merchant account of the merchant associated with thepayment processing platform.
 2. The P2P payment platform as claim 1recites, wherein sending the QR code to the second set of servercomputing devices associated with payment processing platform comprisessending the QR code via an Application Programming Interface (API) ofthe P2P payment platform.
 3. The P2P payment platform as claim 1recites, wherein the QR code is generated in response to receiving theindication of the transaction from the second set of server computingdevices associated with the payment processing platform and the QR codeis specific to at least one of the merchant or the transaction.
 4. TheP2P payment platform as claim 1 recites, wherein the first set of servercomputing devices associated with the P2P payment platform are furtherconfigured to: receive, from the second set of server computing devicesassociated with the payment processing platform, a request for the QRcode; and generate the QR code responsive to receiving the request. 5.The P2P payment platform as claim 1 recites, wherein the QR code iscaused to be presented while one or more items are being added to avirtual cart via the POS application, prior to presentation of a paymenttype selection user interface presented via the computing device of themerchant, or in association with the payment type selection userinterface.
 6. A method, implemented at least in part by a first set ofserver computing devices associated with a payment making platform forfacilitating payments between users, the method comprising: sending, bythe first set of server computing devices associated with the paymentmaking platform and at a first time, a transaction code to a second setof server computing devices associated with a payment processingplatform for processing payments of merchants, wherein the transactioncode is presented via a computing device of a merchant in associationwith a transaction between a customer and the merchant, wherein thetransaction is initiated via a point-of-sale (POS) application on thecomputing device of the merchant, and wherein the POS application isprovided to the computing device of the merchant by the second set ofserver computing devices associated with the payment processingplatform; receiving, by the first set of server computing devicesassociated with the payment making platform and at a second time, anindication of an interaction between the transaction code and acomputing device of the customer; sending, by the first set of servercomputing devices associated with the payment making platform, theindication of the interaction between the transaction code and thecomputing device of the customer to the second set of server computingdevices associated with the payment processing platform; receiving, bythe first set of server computing devices associated with the paymentmaking platform and from the second set of server computing devicesassociated with the payment processing platform, transaction dataassociated with the transaction; determining, by the first set of servercomputing devices associated with the payment making platform, whetherto authorize payment for an amount of the transaction; and based atleast in part on determining to authorize the payment, transmitting, bythe first set of server computing devices associated with the paymentmaking platform, funds from a customer account of the customer that isassociated with the payment making platform to the second set of servercomputing devices associated with the payment processing platform fordepositing at least a portion of the funds into a merchant account ofthe merchant associated with the payment processing platform.
 7. Themethod as claim 6 recites, wherein, based at least in part on sendingthe indication of the interaction between the transaction code and thecomputing device of the customer to the second set of server computingdevices associated with the payment processing platform, receiving, fromthe second set of server computing devices associated with the paymentprocessing platform, at least a portion of transaction data associatedwith the transaction.
 8. The method as claim 7 recites, wherein at leastthe portion of the transaction data is associated with at least one ofan indication of the merchant or an item associated with the transactionand, based at least in part on receiving at least the portion of thetransaction data: determining that an incentive is applicable to atleast the merchant or the item; applying the incentive to thetransaction; and causing a notification indicating that the incentivewas applied to be presented via a user interface presented via a mobilepayment application provided to the computing device of the customer bythe first set of server computing devices associated with the paymentmaking platform.
 9. The method as claim 7 recites, wherein at least theportion of the transaction data is associated with one or more itemsassociated with the transaction and, based at least in part on receivingat least the portion of the transaction data, causing at least theportion of the transaction data to be presented via a cart building userinterface presented via a mobile payment application provided to thecomputing device of the customer by the first set of server computingdevices associated with the payment making platform in near real-time.10. The method as claim 7 recites, wherein at least the portion of thetransaction data is associated with a total cost of the transaction and,based at least in part on receiving at least the portion of thetransaction data, causing at least the portion of the total cost of thetransaction to be presented via a tipping user interface presented via amobile payment application provided to the computing device of thecustomer by the first set of server computing devices associated withthe payment making platform.
 11. The method as claim 10 recites, furthercomprising: receiving, via an input to the tipping user interface, a tipamount to be added to the total cost of the transaction; determining,based at least in part on a determination to authorize the payment, thatthe tip amount is also authorized; and transmitting additional funds,equal to the tip amount, from the customer account of the customer tothe second set of server computing devices associated with the paymentprocessing platform for depositing the additional funds into themerchant account.
 12. One or more non-transitory computer-readable mediastoring instructions that, when executed by one or more processors,cause the one or more processors to perform operations comprising:sending, by a first set of server computing devices associated with apayment making platform for facilitating payments between users, and ata first time, a transaction code to a second set of server computingdevices associated with a payment processing platform for processingpayments of merchants, wherein the transaction code is presented via acomputing device of a merchant in association with a transaction betweena customer and the merchant, wherein the transaction is initiated via apoint-of-sale (POS) application on the computing device of the merchant,and wherein the POS application is provided to the computing device ofthe merchant by the second set of server computing devices associatedwith the payment processing platform; receiving, by the first set ofserver computing devices associated with the payment making platform andat a second time, an indication of an interaction between thetransaction code and a computing device of the customer; sending, by thefirst set of server computing devices associated with the payment makingplatform, the indication of the interaction between the transaction codeand the computing device of the customer to the second set of servercomputing devices associated with the payment processing platform;receiving, by the first set of server computing devices associated withthe payment making platform and from the second set of server computingdevices associated with the payment processing platform, transactiondata associated with the transaction; determining, by the first set ofserver computing devices associated with the payment making platform,whether to authorize payment for an amount of the transaction; and basedat least in part on determining to authorize the payment, transmitting,by the first set of server computing devices associated with the paymentmaking platform, funds from a customer account of the customer that isassociated with the payment making platform to the second set of servercomputing devices associated with the payment processing platform fordepositing at least a portion of the funds into a merchant account ofthe merchant associated with the payment processing platform.
 13. Theone or more non-transitory computer-readable media of claim 12, whereinthe transaction code is associated with (i) a resource locatorassociated with a location of the payment making platform or (ii) a deeplink to a mobile payment application, wherein the mobile paymentapplication is provided to the computing device of the customer by thefirst set of server computing devices associated with the payment makingplatform.
 14. The one or more non-transitory computer-readable media ofclaim 12, wherein the interaction comprises a capture using a cameraintegrated with a mobile payment application, wherein the mobile paymentapplication is provided to the computing device of the customer by thefirst set of server computing devices associated with the payment makingplatform.
 15. The one or more non-transitory computer-readable media ofclaim 12, wherein the interaction comprises a capture using a nativecamera associated with the computing device of the customer, theoperations further comprising: presenting, via a user interface of amobile payment application, a prompt for the customer to provide aninput indicating whether to present data associated with the transactioncode via the mobile payment application, an instant application, or aweb browser, wherein the mobile payment application is provided to thecomputing device of the customer by the first set of server computingdevices associated with the payment making platform.
 16. The one or morenon-transitory computer-readable media of claim 15, the operationsfurther comprising, based at least in part on determining that thetransaction code is captured via the native camera, sending anauthentication request to the first set of server computing devicesassociated with the payment making platform.
 17. The one or morenon-transitory computer-readable media of claim 12, further comprisingcausing at least a portion of the transaction data to be presented via auser interface of a mobile payment application provided to the computingdevice of the customer by the first set of server computing devicesassociated with the payment making platform.
 18. The one or morenon-transitory computer-readable media of claim 17, wherein at least theportion of the transaction data comprises one or more items being addedto a virtual cart.
 19. The one or more non-transitory computer-readablemedia of claim 17, wherein the portion of the transaction data comprisesan identification of the merchant.
 20. The one or more non-transitorycomputer-readable media of claim 17, wherein the portion of thetransaction data comprises an identification of an item to be purchasedvia the transaction.